Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,363Cash toward the purchase price.
Closing costs + prepaids$12,202Not just lender fees.
Before credits & paid funds$35,565The complete starting cash picture.
Estimated remaining funds due at closing
$35,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,363.28
Your down payment$23,363.28
Closing costs + prepaids$12,201.94
Total buyer cash needed$35,565.22
Remaining funds due$35,565.22
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%)$1,533.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.25
Initial HOA (3 months)$81.00
Prepaid interest, first (28 days)$1,552.51
Fees + prepaids$12,201.94
Your down payment is the seller’s equity. You take over the $306,637 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $35,565.22 is due at closing. Uses and sources reconcile at $342,201.94 each. Not a Closing Disclosure.