Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,813Cash toward the purchase price.
Closing costs + prepaids$10,864Not just lender fees.
Before credits & paid funds$118,677The complete starting cash picture.
Estimated remaining funds due at closing
$118,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,812.95
Your down payment$107,812.95
Closing costs + prepaids$10,864.26
Total buyer cash needed$118,677.21
Remaining funds due$118,677.21
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%)$1,360.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.00
Initial HOA (3 months)$47.01
Prepaid interest, first (2 days)$41.31
Fees + prepaids$10,864.26
Your down payment is the seller’s equity. You take over the $272,187 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $118,677.21 is due at closing. Uses and sources reconcile at $390,864.26 each. Not a Closing Disclosure.