Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$90,165Cash toward the purchase price.
Closing costs + prepaids$10,743Not just lender fees.
Before credits & paid funds$100,908The complete starting cash picture.
Estimated remaining funds due at closing
$100,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,165.40
Your down payment$90,165.40
Closing costs + prepaids$10,742.75
Total buyer cash needed$100,908.16
Remaining funds due$100,908.16
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%)$1,199.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.50
Prepaid interest, first (20 days)$657.08
Fees + prepaids$10,742.75
Your down payment is the seller’s equity. You take over the $239,835 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $100,908.16 is due at closing. Uses and sources reconcile at $340,742.75 each. Not a Closing Disclosure.