Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$147,119Cash toward the purchase price.
Closing costs + prepaids$10,356Not just lender fees.
Before credits & paid funds$157,475The complete starting cash picture.
Estimated remaining funds due at closing
$157,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,119.34
Your down payment$147,119.34
Closing costs + prepaids$10,356.15
Total buyer cash needed$157,475.49
Remaining funds due$157,475.49
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%)$914.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.00
Initial HOA (3 months)$360.00
Prepaid interest, first (9 days)$167.75
Fees + prepaids$10,356.15
Your down payment is the seller’s equity. You take over the $182,881 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $157,475.49 is due at closing. Uses and sources reconcile at $340,356.15 each. Not a Closing Disclosure.