Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$128,498Cash toward the purchase price.
Closing costs + prepaids$12,219Not just lender fees.
Before credits & paid funds$140,717The complete starting cash picture.
Estimated remaining funds due at closing
$140,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,497.52
Your down payment$128,497.52
Closing costs + prepaids$12,219.38
Total buyer cash needed$140,716.89
Remaining funds due$140,716.89
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%)$1,007.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$938.75
Initial HOA (3 months)$1,299.00
Prepaid interest, first (27 days)$456.11
Fees + prepaids$12,219.38
Your down payment is the seller’s equity. You take over the $201,502 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $140,716.89 is due at closing. Uses and sources reconcile at $342,219.38 each. Not a Closing Disclosure.