Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$144,148Cash toward the purchase price.
Closing costs + prepaids$10,639Not just lender fees.
Before credits & paid funds$154,787The complete starting cash picture.
Estimated remaining funds due at closing
$154,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,148.46
Your down payment$144,148.46
Closing costs + prepaids$10,638.87
Total buyer cash needed$154,787.33
Remaining funds due$154,787.33
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%)$929.26
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 (24 days)$366.61
Fees + prepaids$10,638.87
Your down payment is the seller’s equity. You take over the $185,852 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $154,787.33 is due at closing. Uses and sources reconcile at $340,638.87 each. Not a Closing Disclosure.