Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$43,650Cash toward the purchase price.
Closing costs + prepaids$12,253Not just lender fees.
Before credits & paid funds$55,904The complete starting cash picture.
Estimated remaining funds due at closing
$55,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,650.42
Your down payment$43,650.42
Closing costs + prepaids$12,253.27
Total buyer cash needed$55,903.69
Remaining funds due$55,903.69
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%)$1,681.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.00
Prepaid interest, first (24 days)$1,165.52
Fees + prepaids$12,253.27
Your down payment is the seller’s equity. You take over the $336,350 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $55,903.69 is due at closing. Uses and sources reconcile at $392,253.27 each. Not a Closing Disclosure.