Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$158,915Cash toward the purchase price.
Closing costs + prepaids$11,676Not just lender fees.
Before credits & paid funds$170,591The complete starting cash picture.
Estimated remaining funds due at closing
$170,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,914.76
Your down payment$158,914.76
Closing costs + prepaids$11,676.03
Total buyer cash needed$170,590.80
Remaining funds due$170,590.80
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%)$855.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,579.25
Initial HOA (3 months)$369.00
Prepaid interest, first (24 days)$354.36
Fees + prepaids$11,676.03
Your down payment is the seller’s equity. You take over the $171,085 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $170,590.80 is due at closing. Uses and sources reconcile at $341,676.03 each. Not a Closing Disclosure.