Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$71,595Cash toward the purchase price.
Closing costs + prepaids$11,682Not just lender fees.
Before credits & paid funds$83,277The complete starting cash picture.
Estimated remaining funds due at closing
$83,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,595.08
Your down payment$71,595.08
Closing costs + prepaids$11,682.13
Total buyer cash needed$83,277.20
Remaining funds due$83,277.20
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%)$1,542.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.00
Initial HOA (3 months)$495.00
Prepaid interest, first (9 days)$171.10
Fees + prepaids$11,682.13
Your down payment is the seller’s equity. You take over the $308,405 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $83,277.20 is due at closing. Uses and sources reconcile at $391,682.13 each. Not a Closing Disclosure.