Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$380,009Cash toward the purchase price.
Closing costs + prepaids$10,335Not just lender fees.
Before credits & paid funds$390,344The complete starting cash picture.
Estimated remaining funds due at closing
$390,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,009.32
Your down payment$380,009.32
Closing costs + prepaids$10,334.92
Total buyer cash needed$390,344.25
Remaining funds due$390,344.25
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$194.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$502.75
Initial HOA (3 months)$150.00
Prepaid interest, first (9 days)$79.22
Fees + prepaids$10,334.92
Your down payment is the seller’s equity. You take over the $38,991 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $390,344.25 is due at closing. Uses and sources reconcile at $429,334.92 each. Not a Closing Disclosure.