Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,466Cash toward the purchase price.
Closing costs + prepaids$14,312Not just lender fees.
Before credits & paid funds$40,778The complete starting cash picture.
Estimated remaining funds due at closing
$40,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,466.32
Your down payment$26,466.32
Closing costs + prepaids$14,312.18
Total buyer cash needed$40,778.50
Remaining funds due$40,778.50
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%)$1,767.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,453.25
Initial HOA (3 months)$52.50
Prepaid interest, first (31 days)$2,020.76
Fees + prepaids$14,312.18
Your down payment is the seller’s equity. You take over the $353,534 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $40,778.50 is due at closing. Uses and sources reconcile at $394,312.18 each. Not a Closing Disclosure.