Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$231,119Cash toward the purchase price.
Closing costs + prepaids$10,466Not just lender fees.
Before credits & paid funds$241,585The complete starting cash picture.
Estimated remaining funds due at closing
$241,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,119.14
Your down payment$231,119.14
Closing costs + prepaids$10,465.98
Total buyer cash needed$241,585.12
Remaining funds due$241,585.12
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$719.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$314.50
Initial HOA (3 months)$165.00
Prepaid interest, first (27 days)$299.08
Fees + prepaids$10,465.98
Your down payment is the seller’s equity. You take over the $143,881 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $241,585.12 is due at closing. Uses and sources reconcile at $385,465.98 each. Not a Closing Disclosure.