Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$151,132Cash toward the purchase price.
Closing costs + prepaids$11,073Not just lender fees.
Before credits & paid funds$162,205The complete starting cash picture.
Estimated remaining funds due at closing
$162,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,131.53
Your down payment$151,131.53
Closing costs + prepaids$11,073.11
Total buyer cash needed$162,204.64
Remaining funds due$162,204.64
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%)$1,144.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$218.00
Initial HOA (3 months)$246.00
Prepaid interest, first (30 days)$446.76
Fees + prepaids$11,073.11
Your down payment is the seller’s equity. You take over the $228,868 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $162,204.64 is due at closing. Uses and sources reconcile at $391,073.11 each. Not a Closing Disclosure.