Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$112,137Cash toward the purchase price.
Closing costs + prepaids$10,326Not just lender fees.
Before credits & paid funds$122,463The complete starting cash picture.
Estimated remaining funds due at closing
$122,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,137.11
Your down payment$112,137.11
Closing costs + prepaids$10,325.67
Total buyer cash needed$122,462.78
Remaining funds due$122,462.78
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%)$1,314.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (2 days)$43.35
Fees + prepaids$10,325.67
Your down payment is the seller’s equity. You take over the $262,863 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $122,462.78 is due at closing. Uses and sources reconcile at $385,325.67 each. Not a Closing Disclosure.