Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$150,567Cash toward the purchase price.
Closing costs + prepaids$10,607Not just lender fees.
Before credits & paid funds$161,174The complete starting cash picture.
Estimated remaining funds due at closing
$161,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,566.87
Your down payment$150,566.87
Closing costs + prepaids$10,607.00
Total buyer cash needed$161,173.86
Remaining funds due$161,173.86
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%)$897.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Prepaid interest, first (26 days)$366.83
Fees + prepaids$10,607.00
Your down payment is the seller’s equity. You take over the $179,433 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $161,173.86 is due at closing. Uses and sources reconcile at $340,607.00 each. Not a Closing Disclosure.