Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$305,796Cash toward the purchase price.
Closing costs + prepaids$10,280Not just lender fees.
Before credits & paid funds$316,076The complete starting cash picture.
Estimated remaining funds due at closing
$316,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,795.65
Your down payment$305,795.65
Closing costs + prepaids$10,280.24
Total buyer cash needed$316,075.89
Remaining funds due$316,075.89
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%)$371.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$582.00
Prepaid interest, first (26 days)$309.22
Fees + prepaids$10,280.24
Your down payment is the seller’s equity. You take over the $74,204 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $316,075.89 is due at closing. Uses and sources reconcile at $390,280.24 each. Not a Closing Disclosure.