Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$60,612Cash toward the purchase price.
Closing costs + prepaids$13,790Not just lender fees.
Before credits & paid funds$74,402The complete starting cash picture.
Estimated remaining funds due at closing
$74,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,611.91
Your down payment$60,611.91
Closing costs + prepaids$13,790.39
Total buyer cash needed$74,402.31
Remaining funds due$74,402.31
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%)$1,346.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,150.00
Prepaid interest, first (31 days)$1,775.45
Fees + prepaids$13,790.39
Your down payment is the seller’s equity. You take over the $269,388 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $74,402.31 is due at closing. Uses and sources reconcile at $343,790.39 each. Not a Closing Disclosure.