Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,843Cash toward the purchase price.
Closing costs + prepaids$12,232Not just lender fees.
Before credits & paid funds$38,075The complete starting cash picture.
Estimated remaining funds due at closing
$38,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,842.50
Your down payment$25,842.50
Closing costs + prepaids$12,232.24
Total buyer cash needed$38,074.74
Remaining funds due$38,074.74
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%)$1,520.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$628.50
Prepaid interest, first (30 days)$1,564.95
Fees + prepaids$12,232.24
Your down payment is the seller’s equity. You take over the $304,157 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $38,074.74 is due at closing. Uses and sources reconcile at $342,232.24 each. Not a Closing Disclosure.