Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$187,357Cash toward the purchase price.
Closing costs + prepaids$10,106Not just lender fees.
Before credits & paid funds$197,463The complete starting cash picture.
Estimated remaining funds due at closing
$197,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,357.25
Your down payment$187,357.25
Closing costs + prepaids$10,105.94
Total buyer cash needed$197,463.19
Remaining funds due$197,463.19
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%)$713.21
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 (27 days)$353.48
Fees + prepaids$10,105.94
Your down payment is the seller’s equity. You take over the $142,643 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $197,463.19 is due at closing. Uses and sources reconcile at $340,105.94 each. Not a Closing Disclosure.