Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$68,492Cash toward the purchase price.
Closing costs + prepaids$11,461Not just lender fees.
Before credits & paid funds$79,953The complete starting cash picture.
Estimated remaining funds due at closing
$79,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,492.49
Your down payment$68,492.49
Closing costs + prepaids$11,460.59
Total buyer cash needed$79,953.08
Remaining funds due$79,953.08
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%)$1,307.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$182.50
Prepaid interest, first (31 days)$1,452.55
Fees + prepaids$11,460.59
Your down payment is the seller’s equity. You take over the $261,508 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $79,953.08 is due at closing. Uses and sources reconcile at $341,460.59 each. Not a Closing Disclosure.