Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$8,336Cash toward the purchase price.
Closing costs + prepaids$12,860Not just lender fees.
Before credits & paid funds$21,195The complete starting cash picture.
Estimated remaining funds due at closing
$21,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,335.64
Your down payment$8,335.64
Closing costs + prepaids$12,859.58
Total buyer cash needed$21,195.22
Remaining funds due$21,195.22
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%)$1,858.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$341.25
Initial HOA (3 months)$261.00
Prepaid interest, first (31 days)$1,381.01
Fees + prepaids$12,859.58
Your down payment is the seller’s equity. You take over the $371,664 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $21,195.22 is due at closing. Uses and sources reconcile at $392,859.58 each. Not a Closing Disclosure.