Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,465Cash toward the purchase price.
Closing costs + prepaids$11,370Not just lender fees.
Before credits & paid funds$178,835The complete starting cash picture.
Estimated remaining funds due at closing
$178,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,465.06
Your down payment$167,465.06
Closing costs + prepaids$11,370.12
Total buyer cash needed$178,835.19
Remaining funds due$178,835.19
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%)$812.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$751.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (1 days)$13.45
Fees + prepaids$11,370.12
Your down payment is the seller’s equity. You take over the $162,535 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $178,835.19 is due at closing. Uses and sources reconcile at $341,370.12 each. Not a Closing Disclosure.