Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$27,287Cash toward the purchase price.
Closing costs + prepaids$11,807Not just lender fees.
Before credits & paid funds$39,094The complete starting cash picture.
Estimated remaining funds due at closing
$39,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,286.91
Your down payment$27,286.91
Closing costs + prepaids$11,807.33
Total buyer cash needed$39,094.24
Remaining funds due$39,094.24
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%)$1,513.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$564.25
Prepaid interest, first (22 days)$1,211.52
Fees + prepaids$11,807.33
Your down payment is the seller’s equity. You take over the $302,713 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $39,094.24 is due at closing. Uses and sources reconcile at $341,807.33 each. Not a Closing Disclosure.