Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$103,153Cash toward the purchase price.
Closing costs + prepaids$14,390Not just lender fees.
Before credits & paid funds$117,543The complete starting cash picture.
Estimated remaining funds due at closing
$117,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,153.01
Your down payment$103,153.01
Closing costs + prepaids$14,389.82
Total buyer cash needed$117,542.83
Remaining funds due$117,542.83
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%)$1,384.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,615.50
Initial HOA (3 months)$1,770.00
Prepaid interest, first (27 days)$602.09
Fees + prepaids$14,389.82
Your down payment is the seller’s equity. You take over the $276,847 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $117,542.83 is due at closing. Uses and sources reconcile at $394,389.82 each. Not a Closing Disclosure.