Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$301,980Cash toward the purchase price.
Closing costs + prepaids$11,047Not just lender fees.
Before credits & paid funds$313,027The complete starting cash picture.
Estimated remaining funds due at closing
$313,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,979.79
Your down payment$301,979.79
Closing costs + prepaids$11,047.34
Total buyer cash needed$313,027.13
Remaining funds due$313,027.13
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$415.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,322.00
Prepaid interest, first (30 days)$242.24
Fees + prepaids$11,047.34
Your down payment is the seller’s equity. You take over the $83,020 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $313,027.13 is due at closing. Uses and sources reconcile at $396,047.34 each. Not a Closing Disclosure.