Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,717Cash toward the purchase price.
Closing costs + prepaids$11,580Not just lender fees.
Before credits & paid funds$37,297The complete starting cash picture.
Estimated remaining funds due at closing
$37,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,716.81
Your down payment$25,716.81
Closing costs + prepaids$11,580.04
Total buyer cash needed$37,296.86
Remaining funds due$37,296.86
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%)$1,521.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$368.01
Prepaid interest, first (26 days)$1,172.62
Fees + prepaids$11,580.04
Your down payment is the seller’s equity. You take over the $304,283 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $37,296.86 is due at closing. Uses and sources reconcile at $341,580.04 each. Not a Closing Disclosure.