Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$115,851Cash toward the purchase price.
Closing costs + prepaids$12,257Not just lender fees.
Before credits & paid funds$128,109The complete starting cash picture.
Estimated remaining funds due at closing
$128,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,851.42
Your down payment$115,851.42
Closing costs + prepaids$12,257.47
Total buyer cash needed$128,108.89
Remaining funds due$128,108.89
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%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,320.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.75
Initial HOA (3 months)$350.01
Prepaid interest, first (24 days)$1,128.96
Fees + prepaids$12,257.47
Your down payment is the seller’s equity. You take over the $264,149 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $128,108.89 is due at closing. Uses and sources reconcile at $392,257.47 each. Not a Closing Disclosure.