Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$77,728Cash toward the purchase price.
Closing costs + prepaids$11,333Not just lender fees.
Before credits & paid funds$89,061The complete starting cash picture.
Estimated remaining funds due at closing
$89,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,728.40
Your down payment$77,728.40
Closing costs + prepaids$11,332.87
Total buyer cash needed$89,061.26
Remaining funds due$89,061.26
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%)$1,511.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.25
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$25.26
Fees + prepaids$11,332.87
Your down payment is the seller’s equity. You take over the $302,272 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $89,061.26 is due at closing. Uses and sources reconcile at $391,332.87 each. Not a Closing Disclosure.