Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,397Cash toward the purchase price.
Closing costs + prepaids$11,557Not just lender fees.
Before credits & paid funds$87,955The complete starting cash picture.
Estimated remaining funds due at closing
$87,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,397.23
Your down payment$76,397.23
Closing costs + prepaids$11,557.32
Total buyer cash needed$87,954.55
Remaining funds due$87,954.55
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%)$1,268.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$642.25
Prepaid interest, first (25 days)$1,129.05
Fees + prepaids$11,557.32
Your down payment is the seller’s equity. You take over the $253,603 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $87,954.55 is due at closing. Uses and sources reconcile at $341,557.32 each. Not a Closing Disclosure.