Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$42,645Cash toward the purchase price.
Closing costs + prepaids$14,182Not just lender fees.
Before credits & paid funds$56,826The complete starting cash picture.
Estimated remaining funds due at closing
$56,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,644.88
Your down payment$42,644.88
Closing costs + prepaids$14,181.60
Total buyer cash needed$56,826.47
Remaining funds due$56,826.47
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%)$1,686.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,522.50
Initial HOA (3 months)$1,104.00
Prepaid interest, first (23 days)$850.32
Fees + prepaids$14,181.60
Your down payment is the seller’s equity. You take over the $337,355 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $56,826.47 is due at closing. Uses and sources reconcile at $394,181.60 each. Not a Closing Disclosure.