Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$68,492Cash toward the purchase price.
Closing costs + prepaids$10,690Not just lender fees.
Before credits & paid funds$79,183The complete starting cash picture.
Estimated remaining funds due at closing
$79,183No 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$10,690.10
Total buyer cash needed$79,182.60
Remaining funds due$79,182.60
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)$396.00
Prepaid interest, first (10 days)$468.56
Fees + prepaids$10,690.10
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. $79,182.60 is due at closing. Uses and sources reconcile at $340,690.10 each. Not a Closing Disclosure.