Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$102,573Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$113,855The complete starting cash picture.
Estimated remaining funds due at closing
$113,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,572.68
Your down payment$102,572.68
Closing costs + prepaids$11,282.01
Total buyer cash needed$113,854.69
Remaining funds due$113,854.69
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%)$1,137.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,018.50
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$428.37
Fees + prepaids$11,282.01
Your down payment is the seller’s equity. You take over the $227,427 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $113,854.69 is due at closing. Uses and sources reconcile at $341,282.01 each. Not a Closing Disclosure.