Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$168,868Cash toward the purchase price.
Closing costs + prepaids$9,963Not just lender fees.
Before credits & paid funds$178,831The complete starting cash picture.
Estimated remaining funds due at closing
$178,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,867.97
Your down payment$168,867.97
Closing costs + prepaids$9,963.15
Total buyer cash needed$178,831.12
Remaining funds due$178,831.12
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%)$805.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$319.25
Initial HOA (3 months)$24.99
Prepaid interest, first (22 days)$295.25
Fees + prepaids$9,963.15
Your down payment is the seller’s equity. You take over the $161,132 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $178,831.12 is due at closing. Uses and sources reconcile at $339,963.15 each. Not a Closing Disclosure.