Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,407Cash toward the purchase price.
Closing costs + prepaids$13,130Not just lender fees.
Before credits & paid funds$65,537The complete starting cash picture.
Estimated remaining funds due at closing
$65,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,406.60
Your down payment$52,406.60
Closing costs + prepaids$13,130.01
Total buyer cash needed$65,536.61
Remaining funds due$65,536.61
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%)$1,637.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,097.25
Prepaid interest, first (26 days)$1,376.79
Fees + prepaids$13,130.01
Your down payment is the seller’s equity. You take over the $327,593 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $65,536.61 is due at closing. Uses and sources reconcile at $393,130.01 each. Not a Closing Disclosure.