Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$11,170Cash toward the purchase price.
Closing costs + prepaids$13,214Not just lender fees.
Before credits & paid funds$24,384The complete starting cash picture.
Estimated remaining funds due at closing
$24,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,170.07
Your down payment$11,170.07
Closing costs + prepaids$13,213.94
Total buyer cash needed$24,384.01
Remaining funds due$24,384.01
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%)$1,844.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.75
Initial HOA (3 months)$483.00
Prepaid interest, first (22 days)$1,256.04
Fees + prepaids$13,213.94
Your down payment is the seller’s equity. You take over the $368,830 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $24,384.01 is due at closing. Uses and sources reconcile at $393,213.94 each. Not a Closing Disclosure.