Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,938Cash toward the purchase price.
Closing costs + prepaids$11,965Not just lender fees.
Before credits & paid funds$93,903The complete starting cash picture.
Estimated remaining funds due at closing
$93,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,938.33
Your down payment$81,938.33
Closing costs + prepaids$11,964.59
Total buyer cash needed$93,902.92
Remaining funds due$93,902.92
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%)$1,465.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$496.25
Initial HOA (3 months)$981.00
Prepaid interest, first (1 days)$54.04
Fees + prepaids$11,964.59
Your down payment is the seller’s equity. You take over the $293,062 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $93,902.92 is due at closing. Uses and sources reconcile at $386,964.59 each. Not a Closing Disclosure.