Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$345,795Cash toward the purchase price.
Closing costs + prepaids$10,124Not just lender fees.
Before credits & paid funds$355,920The complete starting cash picture.
Estimated remaining funds due at closing
$355,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,795.43
Your down payment$345,795.43
Closing costs + prepaids$10,124.16
Total buyer cash needed$355,919.59
Remaining funds due$355,919.59
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%)$3,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$161.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$962.50
Prepaid interest, first (1 days)$2.64
Fees + prepaids$10,124.16
Your down payment is the seller’s equity. You take over the $32,205 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $355,919.59 is due at closing. Uses and sources reconcile at $388,124.16 each. Not a Closing Disclosure.