Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,491Cash toward the purchase price.
Closing costs + prepaids$12,461Not just lender fees.
Before credits & paid funds$29,953The complete starting cash picture.
Estimated remaining funds due at closing
$29,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,491.41
Your down payment$17,491.41
Closing costs + prepaids$12,461.26
Total buyer cash needed$29,952.67
Remaining funds due$29,952.67
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%)$1,562.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,130.25
Prepaid interest, first (23 days)$1,250.46
Fees + prepaids$12,461.26
Your down payment is the seller’s equity. You take over the $312,509 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $29,952.67 is due at closing. Uses and sources reconcile at $342,461.26 each. Not a Closing Disclosure.