Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$163,320Cash toward the purchase price.
Closing costs + prepaids$10,751Not just lender fees.
Before credits & paid funds$174,071The complete starting cash picture.
Estimated remaining funds due at closing
$174,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,319.92
Your down payment$163,319.92
Closing costs + prepaids$10,751.50
Total buyer cash needed$174,071.42
Remaining funds due$174,071.42
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%)$1,083.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$457.00
Initial HOA (3 months)$174.99
Prepaid interest, first (1 days)$18.11
Fees + prepaids$10,751.50
Your down payment is the seller’s equity. You take over the $216,680 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $174,071.42 is due at closing. Uses and sources reconcile at $390,751.50 each. Not a Closing Disclosure.