Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$325,721Cash toward the purchase price.
Closing costs + prepaids$9,677Not just lender fees.
Before credits & paid funds$335,399The complete starting cash picture.
Estimated remaining funds due at closing
$335,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,721.17
Your down payment$325,721.17
Closing costs + prepaids$9,677.44
Total buyer cash needed$335,398.61
Remaining funds due$335,398.61
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%)$246.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.00
Prepaid interest, first (31 days)$141.05
Fees + prepaids$9,677.44
Your down payment is the seller’s equity. You take over the $49,279 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $335,398.61 is due at closing. Uses and sources reconcile at $384,677.44 each. Not a Closing Disclosure.