Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$45,446Cash toward the purchase price.
Closing costs + prepaids$11,730Not just lender fees.
Before credits & paid funds$57,176The complete starting cash picture.
Estimated remaining funds due at closing
$57,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,445.92
Your down payment$45,445.92
Closing costs + prepaids$11,730.18
Total buyer cash needed$57,176.10
Remaining funds due$57,176.10
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%)$1,422.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.00
Initial HOA (3 months)$54.75
Prepaid interest, first (24 days)$1,281.66
Fees + prepaids$11,730.18
Your down payment is the seller’s equity. You take over the $284,554 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $57,176.10 is due at closing. Uses and sources reconcile at $341,730.18 each. Not a Closing Disclosure.