Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$118,412Cash toward the purchase price.
Closing costs + prepaids$11,202Not just lender fees.
Before credits & paid funds$129,614The complete starting cash picture.
Estimated remaining funds due at closing
$129,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,411.92
Your down payment$118,411.92
Closing costs + prepaids$11,201.95
Total buyer cash needed$129,613.87
Remaining funds due$129,613.87
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%)$1,307.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$199.00
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$602.01
Fees + prepaids$11,201.95
Your down payment is the seller’s equity. You take over the $261,588 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $129,613.87 is due at closing. Uses and sources reconcile at $391,201.95 each. Not a Closing Disclosure.