Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$163,814Cash toward the purchase price.
Closing costs + prepaids$11,291Not just lender fees.
Before credits & paid funds$175,105The complete starting cash picture.
Estimated remaining funds due at closing
$175,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,814.05
Your down payment$163,814.05
Closing costs + prepaids$11,290.93
Total buyer cash needed$175,104.98
Remaining funds due$175,104.98
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%)$1,080.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$457.00
Initial HOA (3 months)$174.99
Prepaid interest, first (31 days)$560.01
Fees + prepaids$11,290.93
Your down payment is the seller’s equity. You take over the $216,186 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $175,104.98 is due at closing. Uses and sources reconcile at $391,290.93 each. Not a Closing Disclosure.