Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$112,160Cash toward the purchase price.
Closing costs + prepaids$11,059Not just lender fees.
Before credits & paid funds$123,219The complete starting cash picture.
Estimated remaining funds due at closing
$123,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,160.14
Your down payment$112,160.14
Closing costs + prepaids$11,058.66
Total buyer cash needed$123,218.80
Remaining funds due$123,218.80
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%)$1,339.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$153.75
Prepaid interest, first (24 days)$547.71
Fees + prepaids$11,058.66
Your down payment is the seller’s equity. You take over the $267,840 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $123,218.80 is due at closing. Uses and sources reconcile at $391,058.66 each. Not a Closing Disclosure.