Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$239,986Cash toward the purchase price.
Closing costs + prepaids$11,126Not just lender fees.
Before credits & paid funds$251,111The complete starting cash picture.
Estimated remaining funds due at closing
$251,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,985.68
Your down payment$239,985.68
Closing costs + prepaids$11,125.63
Total buyer cash needed$251,111.31
Remaining funds due$251,111.31
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%)$700.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$979.75
Initial HOA (3 months)$59.01
Prepaid interest, first (22 days)$368.79
Fees + prepaids$11,125.63
Your down payment is the seller’s equity. You take over the $140,014 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $251,111.31 is due at closing. Uses and sources reconcile at $391,125.63 each. Not a Closing Disclosure.