Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,103Cash toward the purchase price.
Closing costs + prepaids$11,431Not just lender fees.
Before credits & paid funds$36,535The complete starting cash picture.
Estimated remaining funds due at closing
$36,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,103.48
Your down payment$25,103.48
Closing costs + prepaids$11,431.11
Total buyer cash needed$36,534.59
Remaining funds due$36,534.59
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%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,774.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.25
Prepaid interest, first (2 days)$134.37
Fees + prepaids$11,431.11
Your down payment is the seller’s equity. You take over the $354,897 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $36,534.59 is due at closing. Uses and sources reconcile at $391,431.11 each. Not a Closing Disclosure.