Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$163,384Cash toward the purchase price.
Closing costs + prepaids$10,625Not just lender fees.
Before credits & paid funds$174,009The complete starting cash picture.
Estimated remaining funds due at closing
$174,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,383.74
Your down payment$163,383.74
Closing costs + prepaids$10,625.44
Total buyer cash needed$174,009.18
Remaining funds due$174,009.18
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%)$833.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Prepaid interest, first (23 days)$449.36
Fees + prepaids$10,625.44
Your down payment is the seller’s equity. You take over the $166,616 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $174,009.18 is due at closing. Uses and sources reconcile at $340,625.44 each. Not a Closing Disclosure.