Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$163,388Cash toward the purchase price.
Closing costs + prepaids$10,025Not just lender fees.
Before credits & paid funds$173,413The complete starting cash picture.
Estimated remaining funds due at closing
$173,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,387.54
Your down payment$163,387.54
Closing costs + prepaids$10,025.30
Total buyer cash needed$173,412.84
Remaining funds due$173,412.84
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%)$833.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$311.25
Prepaid interest, first (28 days)$362.99
Fees + prepaids$10,025.30
Your down payment is the seller’s equity. You take over the $166,612 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $173,412.84 is due at closing. Uses and sources reconcile at $340,025.30 each. Not a Closing Disclosure.