Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$52,463Cash toward the purchase price.
Closing costs + prepaids$12,205Not just lender fees.
Before credits & paid funds$64,668The complete starting cash picture.
Estimated remaining funds due at closing
$64,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,463.07
Your down payment$52,463.07
Closing costs + prepaids$12,205.42
Total buyer cash needed$64,668.49
Remaining funds due$64,668.49
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%)$1,637.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.00
Initial HOA (3 months)$663.00
Prepaid interest, first (12 days)$430.73
Fees + prepaids$12,205.42
Your down payment is the seller’s equity. You take over the $327,537 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $64,668.49 is due at closing. Uses and sources reconcile at $392,205.42 each. Not a Closing Disclosure.