Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,353Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$113,275The complete starting cash picture.
Estimated remaining funds due at closing
$113,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,352.97
Your down payment$102,352.97
Closing costs + prepaids$10,922.23
Total buyer cash needed$113,275.19
Remaining funds due$113,275.19
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%)$1,363.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.75
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$20.24
Fees + prepaids$10,922.23
Your down payment is the seller’s equity. You take over the $272,647 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $113,275.19 is due at closing. Uses and sources reconcile at $385,922.23 each. Not a Closing Disclosure.