Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$53,444Cash toward the purchase price.
Closing costs + prepaids$12,851Not just lender fees.
Before credits & paid funds$66,295The complete starting cash picture.
Estimated remaining funds due at closing
$66,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,444.45
Your down payment$53,444.45
Closing costs + prepaids$12,850.89
Total buyer cash needed$66,295.34
Remaining funds due$66,295.34
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%)$1,632.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$810.00
Initial HOA (3 months)$156.00
Prepaid interest, first (22 days)$1,234.11
Fees + prepaids$12,850.89
Your down payment is the seller’s equity. You take over the $326,556 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $66,295.34 is due at closing. Uses and sources reconcile at $392,850.89 each. Not a Closing Disclosure.