Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$209,055Cash toward the purchase price.
Closing costs + prepaids$10,790Not just lender fees.
Before credits & paid funds$219,845The complete starting cash picture.
Estimated remaining funds due at closing
$219,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,055.32
Your down payment$209,055.32
Closing costs + prepaids$10,789.78
Total buyer cash needed$219,845.11
Remaining funds due$219,845.11
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%)$829.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.00
Initial HOA (3 months)$252.00
Prepaid interest, first (31 days)$489.06
Fees + prepaids$10,789.78
Your down payment is the seller’s equity. You take over the $165,945 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $219,845.11 is due at closing. Uses and sources reconcile at $385,789.78 each. Not a Closing Disclosure.