Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$87,786Cash toward the purchase price.
Closing costs + prepaids$12,592Not just lender fees.
Before credits & paid funds$100,378The complete starting cash picture.
Estimated remaining funds due at closing
$100,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,785.82
Your down payment$87,785.82
Closing costs + prepaids$12,591.92
Total buyer cash needed$100,377.74
Remaining funds due$100,377.74
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%)$1,461.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$950.00
Prepaid interest, first (25 days)$1,162.85
Fees + prepaids$12,591.92
Your down payment is the seller’s equity. You take over the $292,214 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $100,377.74 is due at closing. Uses and sources reconcile at $392,591.92 each. Not a Closing Disclosure.