Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$381,035Cash toward the purchase price.
Closing costs + prepaids$9,443Not just lender fees.
Before credits & paid funds$390,478The complete starting cash picture.
Estimated remaining funds due at closing
$390,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,034.78
Your down payment$381,034.78
Closing costs + prepaids$9,442.93
Total buyer cash needed$390,477.71
Remaining funds due$390,477.71
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$19.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$334.25
Prepaid interest, first (24 days)$20.86
Fees + prepaids$9,442.93
Your down payment is the seller’s equity. You take over the $3,965 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $390,477.71 is due at closing. Uses and sources reconcile at $394,442.93 each. Not a Closing Disclosure.