Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$4,117Cash toward the purchase price.
Closing costs + prepaids$14,634Not just lender fees.
Before credits & paid funds$18,752The complete starting cash picture.
Estimated remaining funds due at closing
$18,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,117.35
Your down payment$4,117.35
Closing costs + prepaids$14,634.27
Total buyer cash needed$18,751.63
Remaining funds due$18,751.63
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%)$1,879.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,845.25
Initial HOA (3 months)$42.99
Prepaid interest, first (29 days)$1,848.62
Fees + prepaids$14,634.27
Your down payment is the seller’s equity. You take over the $375,883 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $18,751.63 is due at closing. Uses and sources reconcile at $394,634.27 each. Not a Closing Disclosure.