Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$208,353Cash toward the purchase price.
Closing costs + prepaids$10,157Not just lender fees.
Before credits & paid funds$218,510The complete starting cash picture.
Estimated remaining funds due at closing
$218,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,353.09
Your down payment$208,353.09
Closing costs + prepaids$10,157.06
Total buyer cash needed$218,510.15
Remaining funds due$218,510.15
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%)$3,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$848.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.00
Prepaid interest, first (1 days)$16.83
Fees + prepaids$10,157.06
Your down payment is the seller’s equity. You take over the $169,647 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $218,510.15 is due at closing. Uses and sources reconcile at $388,157.06 each. Not a Closing Disclosure.