Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,132Cash toward the purchase price.
Closing costs + prepaids$11,188Not just lender fees.
Before credits & paid funds$54,320The complete starting cash picture.
Estimated remaining funds due at closing
$54,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,132.45
Your down payment$43,132.45
Closing costs + prepaids$11,187.61
Total buyer cash needed$54,320.06
Remaining funds due$54,320.06
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%)$1,684.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.00
Prepaid interest, first (2 days)$97.28
Fees + prepaids$11,187.61
Your down payment is the seller’s equity. You take over the $336,868 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $54,320.06 is due at closing. Uses and sources reconcile at $391,187.61 each. Not a Closing Disclosure.