Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,729Cash toward the purchase price.
Closing costs + prepaids$11,933Not just lender fees.
Before credits & paid funds$42,662The complete starting cash picture.
Estimated remaining funds due at closing
$42,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,728.65
Your down payment$30,728.65
Closing costs + prepaids$11,933.00
Total buyer cash needed$42,661.66
Remaining funds due$42,661.66
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%)$1,496.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.00
Prepaid interest, first (26 days)$1,417.64
Fees + prepaids$11,933.00
Your down payment is the seller’s equity. You take over the $299,271 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $42,661.66 is due at closing. Uses and sources reconcile at $341,933.00 each. Not a Closing Disclosure.