Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,283Cash toward the purchase price.
Closing costs + prepaids$12,657Not just lender fees.
Before credits & paid funds$88,940The complete starting cash picture.
Estimated remaining funds due at closing
$88,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,283.31
Your down payment$76,283.31
Closing costs + prepaids$12,656.97
Total buyer cash needed$88,940.28
Remaining funds due$88,940.28
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%)$1,493.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.25
Prepaid interest, first (31 days)$1,687.14
Fees + prepaids$12,656.97
Your down payment is the seller’s equity. You take over the $298,717 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $88,940.28 is due at closing. Uses and sources reconcile at $387,656.97 each. Not a Closing Disclosure.