Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,051Cash toward the purchase price.
Closing costs + prepaids$13,067Not just lender fees.
Before credits & paid funds$47,118The complete starting cash picture.
Estimated remaining funds due at closing
$47,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,051.48
Your down payment$34,051.48
Closing costs + prepaids$13,066.91
Total buyer cash needed$47,118.39
Remaining funds due$47,118.39
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%)$1,729.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.75
Prepaid interest, first (31 days)$2,024.41
Fees + prepaids$13,066.91
Your down payment is the seller’s equity. You take over the $345,949 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $47,118.39 is due at closing. Uses and sources reconcile at $393,066.91 each. Not a Closing Disclosure.