Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$186,804Cash toward the purchase price.
Closing costs + prepaids$9,768Not just lender fees.
Before credits & paid funds$196,572The complete starting cash picture.
Estimated remaining funds due at closing
$196,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,803.74
Your down payment$186,803.74
Closing costs + prepaids$9,768.37
Total buyer cash needed$196,572.12
Remaining funds due$196,572.12
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%)$715.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$521.25
Prepaid interest, first (1 days)$13.14
Fees + prepaids$9,768.37
Your down payment is the seller’s equity. You take over the $143,196 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $196,572.12 is due at closing. Uses and sources reconcile at $339,768.37 each. Not a Closing Disclosure.