Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$231,119Cash toward the purchase price.
Closing costs + prepaids$10,510Not just lender fees.
Before credits & paid funds$241,629The complete starting cash picture.
Estimated remaining funds due at closing
$241,629No 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$10,510.29
Total buyer cash needed$241,629.43
Remaining funds due$241,629.43
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 (31 days)$343.38
Fees + prepaids$10,510.29
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. $241,629.43 is due at closing. Uses and sources reconcile at $385,510.29 each. Not a Closing Disclosure.