Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,124Cash toward the purchase price.
Closing costs + prepaids$13,570Not just lender fees.
Before credits & paid funds$42,693The complete starting cash picture.
Estimated remaining funds due at closing
$42,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,123.59
Your down payment$29,123.59
Closing costs + prepaids$13,569.71
Total buyer cash needed$42,693.30
Remaining funds due$42,693.30
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%)$1,754.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$886.25
Prepaid interest, first (28 days)$1,911.07
Fees + prepaids$13,569.71
Your down payment is the seller’s equity. You take over the $350,876 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $42,693.30 is due at closing. Uses and sources reconcile at $393,569.71 each. Not a Closing Disclosure.