Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$66,890Cash toward the purchase price.
Closing costs + prepaids$11,912Not just lender fees.
Before credits & paid funds$78,802The complete starting cash picture.
Estimated remaining funds due at closing
$78,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,889.79
Your down payment$66,889.79
Closing costs + prepaids$11,912.37
Total buyer cash needed$78,802.17
Remaining funds due$78,802.17
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%)$1,565.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.00
Initial HOA (3 months)$210.00
Prepaid interest, first (25 days)$664.82
Fees + prepaids$11,912.37
Your down payment is the seller’s equity. You take over the $313,110 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $78,802.17 is due at closing. Uses and sources reconcile at $391,912.37 each. Not a Closing Disclosure.