Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$208,449Cash toward the purchase price.
Closing costs + prepaids$10,446Not just lender fees.
Before credits & paid funds$218,895The complete starting cash picture.
Estimated remaining funds due at closing
$218,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,449.00
Your down payment$208,449.00
Closing costs + prepaids$10,446.17
Total buyer cash needed$218,895.17
Remaining funds due$218,895.17
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%)$857.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.00
Initial HOA (3 months)$219.00
Prepaid interest, first (1 days)$19.41
Fees + prepaids$10,446.17
Your down payment is the seller’s equity. You take over the $171,551 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $218,895.17 is due at closing. Uses and sources reconcile at $390,446.17 each. Not a Closing Disclosure.