Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$74,804Cash toward the purchase price.
Closing costs + prepaids$10,824Not just lender fees.
Before credits & paid funds$85,628The complete starting cash picture.
Estimated remaining funds due at closing
$85,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,803.95
Your down payment$74,803.95
Closing costs + prepaids$10,823.70
Total buyer cash needed$85,627.65
Remaining funds due$85,627.65
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%)$1,275.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$841.50
Prepaid interest, first (4 days)$188.22
Fees + prepaids$10,823.70
Your down payment is the seller’s equity. You take over the $255,196 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $85,627.65 is due at closing. Uses and sources reconcile at $340,823.70 each. Not a Closing Disclosure.