Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$56,739Cash toward the purchase price.
Closing costs + prepaids$12,487Not just lender fees.
Before credits & paid funds$69,226The complete starting cash picture.
Estimated remaining funds due at closing
$69,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,739.13
Your down payment$56,739.13
Closing costs + prepaids$12,486.65
Total buyer cash needed$69,225.78
Remaining funds due$69,225.78
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%)$1,591.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,168.75
Prepaid interest, first (29 days)$758.59
Fees + prepaids$12,486.65
Your down payment is the seller’s equity. You take over the $318,261 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $69,225.78 is due at closing. Uses and sources reconcile at $387,486.65 each. Not a Closing Disclosure.