Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$240,681Cash toward the purchase price.
Closing costs + prepaids$10,876Not just lender fees.
Before credits & paid funds$251,557The complete starting cash picture.
Estimated remaining funds due at closing
$251,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,680.88
Your down payment$240,680.88
Closing costs + prepaids$10,876.11
Total buyer cash needed$251,556.99
Remaining funds due$251,556.99
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%)$696.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$358.50
Initial HOA (3 months)$342.00
Prepaid interest, first (18 days)$461.01
Fees + prepaids$10,876.11
Your down payment is the seller’s equity. You take over the $139,319 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $251,556.99 is due at closing. Uses and sources reconcile at $390,876.11 each. Not a Closing Disclosure.