Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$234,027Cash toward the purchase price.
Closing costs + prepaids$10,542Not just lender fees.
Before credits & paid funds$244,569The complete starting cash picture.
Estimated remaining funds due at closing
$244,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,027.21
Your down payment$234,027.21
Closing costs + prepaids$10,542.00
Total buyer cash needed$244,569.21
Remaining funds due$244,569.21
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$724.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$132.00
Initial HOA (3 months)$414.99
Prepaid interest, first (22 days)$262.14
Fees + prepaids$10,542.00
Your down payment is the seller’s equity. You take over the $144,973 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $244,569.21 is due at closing. Uses and sources reconcile at $389,542.00 each. Not a Closing Disclosure.