Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$241,095Cash toward the purchase price.
Closing costs + prepaids$9,539Not just lender fees.
Before credits & paid funds$250,634The complete starting cash picture.
Estimated remaining funds due at closing
$250,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,094.94
Your down payment$241,094.94
Closing costs + prepaids$9,538.83
Total buyer cash needed$250,633.77
Remaining funds due$250,633.77
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%)$444.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$29.00
Initial HOA (3 months)$131.25
Prepaid interest, first (29 days)$416.05
Fees + prepaids$9,538.83
Your down payment is the seller’s equity. You take over the $88,905 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $250,633.77 is due at closing. Uses and sources reconcile at $339,538.83 each. Not a Closing Disclosure.