Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$114,869Cash toward the purchase price.
Closing costs + prepaids$11,898Not just lender fees.
Before credits & paid funds$126,767The complete starting cash picture.
Estimated remaining funds due at closing
$126,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,869.20
Your down payment$114,869.20
Closing costs + prepaids$11,898.22
Total buyer cash needed$126,767.42
Remaining funds due$126,767.42
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%)$1,325.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$950.00
Prepaid interest, first (29 days)$604.57
Fees + prepaids$11,898.22
Your down payment is the seller’s equity. You take over the $265,131 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $126,767.42 is due at closing. Uses and sources reconcile at $391,898.22 each. Not a Closing Disclosure.