Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$175,696Cash toward the purchase price.
Closing costs + prepaids$11,062Not just lender fees.
Before credits & paid funds$186,757The complete starting cash picture.
Estimated remaining funds due at closing
$186,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,695.72
Your down payment$175,695.72
Closing costs + prepaids$11,061.60
Total buyer cash needed$186,757.32
Remaining funds due$186,757.32
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%)$771.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Initial HOA (3 months)$448.74
Prepaid interest, first (28 days)$498.34
Fees + prepaids$11,061.60
Your down payment is the seller’s equity. You take over the $154,304 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $186,757.32 is due at closing. Uses and sources reconcile at $341,061.60 each. Not a Closing Disclosure.