Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,188Cash toward the purchase price.
Closing costs + prepaids$10,056Not just lender fees.
Before credits & paid funds$78,245The complete starting cash picture.
Estimated remaining funds due at closing
$78,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,188.46
Your down payment$68,188.46
Closing costs + prepaids$10,056.47
Total buyer cash needed$78,244.93
Remaining funds due$78,244.93
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%)$1,309.06
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 (1 days)$46.91
Fees + prepaids$10,056.47
Your down payment is the seller’s equity. You take over the $261,812 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $78,244.93 is due at closing. Uses and sources reconcile at $340,056.47 each. Not a Closing Disclosure.