Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$223,900Cash toward the purchase price.
Closing costs + prepaids$11,008Not just lender fees.
Before credits & paid funds$234,908The complete starting cash picture.
Estimated remaining funds due at closing
$234,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,899.61
Your down payment$223,899.61
Closing costs + prepaids$11,008.10
Total buyer cash needed$234,907.71
Remaining funds due$234,907.71
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%)$780.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.25
Initial HOA (3 months)$390.00
Prepaid interest, first (20 days)$311.35
Fees + prepaids$11,008.10
Your down payment is the seller’s equity. You take over the $156,100 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $234,907.71 is due at closing. Uses and sources reconcile at $391,008.10 each. Not a Closing Disclosure.