Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$205,093Cash toward the purchase price.
Closing costs + prepaids$10,056Not just lender fees.
Before credits & paid funds$215,148The complete starting cash picture.
Estimated remaining funds due at closing
$215,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,092.56
Your down payment$205,092.56
Closing costs + prepaids$10,055.77
Total buyer cash needed$215,148.34
Remaining funds due$215,148.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$624.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$499.50
Prepaid interest, first (30 days)$413.73
Fees + prepaids$10,055.77
Your down payment is the seller’s equity. You take over the $124,907 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $215,148.34 is due at closing. Uses and sources reconcile at $340,055.77 each. Not a Closing Disclosure.