Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,037Cash toward the purchase price.
Closing costs + prepaids$12,829Not just lender fees.
Before credits & paid funds$40,866The complete starting cash picture.
Estimated remaining funds due at closing
$40,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,037.25
Your down payment$28,037.25
Closing costs + prepaids$12,828.56
Total buyer cash needed$40,865.81
Remaining funds due$40,865.81
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%)$1,759.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$187.75
Prepaid interest, first (30 days)$1,862.99
Fees + prepaids$12,828.56
Your down payment is the seller’s equity. You take over the $351,963 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $40,865.81 is due at closing. Uses and sources reconcile at $392,828.56 each. Not a Closing Disclosure.