Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$255,458Cash toward the purchase price.
Closing costs + prepaids$10,681Not just lender fees.
Before credits & paid funds$266,139The complete starting cash picture.
Estimated remaining funds due at closing
$266,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,457.81
Your down payment$255,457.81
Closing costs + prepaids$10,681.48
Total buyer cash needed$266,139.29
Remaining funds due$266,139.29
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%)$622.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.00
Initial HOA (3 months)$306.00
Prepaid interest, first (31 days)$398.77
Fees + prepaids$10,681.48
Your down payment is the seller’s equity. You take over the $124,542 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $266,139.29 is due at closing. Uses and sources reconcile at $390,681.48 each. Not a Closing Disclosure.