Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$73,696Cash toward the purchase price.
Closing costs + prepaids$10,608Not just lender fees.
Before credits & paid funds$84,305The complete starting cash picture.
Estimated remaining funds due at closing
$84,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,696.26
Your down payment$73,696.26
Closing costs + prepaids$10,608.46
Total buyer cash needed$84,304.72
Remaining funds due$84,304.72
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%)$1,281.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$264.25
Initial HOA (3 months)$6.24
Prepaid interest, first (27 days)$538.45
Fees + prepaids$10,608.46
Your down payment is the seller’s equity. You take over the $256,304 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $84,304.72 is due at closing. Uses and sources reconcile at $340,608.46 each. Not a Closing Disclosure.