Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$93,224Cash toward the purchase price.
Closing costs + prepaids$11,273Not just lender fees.
Before credits & paid funds$104,497The complete starting cash picture.
Estimated remaining funds due at closing
$104,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,224.40
Your down payment$93,224.40
Closing costs + prepaids$11,272.76
Total buyer cash needed$104,497.16
Remaining funds due$104,497.16
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%)$1,183.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$311.25
Initial HOA (3 months)$777.00
Prepaid interest, first (24 days)$482.63
Fees + prepaids$11,272.76
Your down payment is the seller’s equity. You take over the $236,776 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $104,497.16 is due at closing. Uses and sources reconcile at $341,272.76 each. Not a Closing Disclosure.