Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$220,389Cash toward the purchase price.
Closing costs + prepaids$10,552Not just lender fees.
Before credits & paid funds$230,942The complete starting cash picture.
Estimated remaining funds due at closing
$230,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,389.22
Your down payment$220,389.22
Closing costs + prepaids$10,552.38
Total buyer cash needed$230,941.60
Remaining funds due$230,941.60
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%)$798.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.75
Prepaid interest, first (26 days)$328.58
Fees + prepaids$10,552.38
Your down payment is the seller’s equity. You take over the $159,611 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $230,941.60 is due at closing. Uses and sources reconcile at $390,552.38 each. Not a Closing Disclosure.