Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,005Cash toward the purchase price.
Closing costs + prepaids$13,655Not just lender fees.
Before credits & paid funds$45,660The complete starting cash picture.
Estimated remaining funds due at closing
$45,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,004.72
Your down payment$32,004.72
Closing costs + prepaids$13,654.80
Total buyer cash needed$45,659.52
Remaining funds due$45,659.52
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%)$1,739.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$982.75
Prepaid interest, first (28 days)$1,914.07
Fees + prepaids$13,654.80
Your down payment is the seller’s equity. You take over the $347,995 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $45,659.52 is due at closing. Uses and sources reconcile at $393,654.80 each. Not a Closing Disclosure.