Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,381Cash toward the purchase price.
Closing costs + prepaids$11,366Not just lender fees.
Before credits & paid funds$152,747The complete starting cash picture.
Estimated remaining funds due at closing
$152,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,381.28
Your down payment$141,381.28
Closing costs + prepaids$11,365.68
Total buyer cash needed$152,746.96
Remaining funds due$152,746.96
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%)$1,193.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$726.25
Prepaid interest, first (24 days)$428.34
Fees + prepaids$11,365.68
Your down payment is the seller’s equity. You take over the $238,619 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $152,746.96 is due at closing. Uses and sources reconcile at $391,365.68 each. Not a Closing Disclosure.