Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$254,041Cash toward the purchase price.
Closing costs + prepaids$11,084Not just lender fees.
Before credits & paid funds$265,125The complete starting cash picture.
Estimated remaining funds due at closing
$265,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,040.95
Your down payment$254,040.95
Closing costs + prepaids$11,083.61
Total buyer cash needed$265,124.56
Remaining funds due$265,124.56
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%)$629.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$896.25
Initial HOA (3 months)$69.00
Prepaid interest, first (28 days)$470.57
Fees + prepaids$11,083.61
Your down payment is the seller’s equity. You take over the $125,959 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $265,124.56 is due at closing. Uses and sources reconcile at $391,083.61 each. Not a Closing Disclosure.