Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$255,073Cash toward the purchase price.
Closing costs + prepaids$10,298Not just lender fees.
Before credits & paid funds$265,370The complete starting cash picture.
Estimated remaining funds due at closing
$265,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,072.66
Your down payment$255,072.66
Closing costs + prepaids$10,297.54
Total buyer cash needed$265,370.20
Remaining funds due$265,370.20
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%)$624.64
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 (1 days)$12.90
Fees + prepaids$10,297.54
Your down payment is the seller’s equity. You take over the $124,927 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $265,370.20 is due at closing. Uses and sources reconcile at $390,297.54 each. Not a Closing Disclosure.