Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$233,527Cash toward the purchase price.
Closing costs + prepaids$9,327Not just lender fees.
Before credits & paid funds$242,854The complete starting cash picture.
Estimated remaining funds due at closing
$242,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,527.17
Your down payment$233,527.17
Closing costs + prepaids$9,326.58
Total buyer cash needed$242,853.75
Remaining funds due$242,853.75
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%)$482.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$119.00
Prepaid interest, first (28 days)$207.22
Fees + prepaids$9,326.58
Your down payment is the seller’s equity. You take over the $96,473 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $242,853.75 is due at closing. Uses and sources reconcile at $339,326.58 each. Not a Closing Disclosure.