Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$137,799Cash toward the purchase price.
Closing costs + prepaids$10,767Not just lender fees.
Before credits & paid funds$148,566The complete starting cash picture.
Estimated remaining funds due at closing
$148,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,799.21
Your down payment$137,799.21
Closing costs + prepaids$10,766.64
Total buyer cash needed$148,565.85
Remaining funds due$148,565.85
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%)$1,211.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$319.00
Initial HOA (3 months)$198.00
Prepaid interest, first (1 days)$20.64
Fees + prepaids$10,766.64
Your down payment is the seller’s equity. You take over the $242,201 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $148,565.85 is due at closing. Uses and sources reconcile at $390,766.64 each. Not a Closing Disclosure.