Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$137,788Cash toward the purchase price.
Closing costs + prepaids$11,722Not just lender fees.
Before credits & paid funds$149,509The complete starting cash picture.
Estimated remaining funds due at closing
$149,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,787.58
Your down payment$137,787.58
Closing costs + prepaids$11,721.79
Total buyer cash needed$149,509.37
Remaining funds due$149,509.37
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%)$1,186.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,503.00
Prepaid interest, first (2 days)$64.73
Fees + prepaids$11,721.79
Your down payment is the seller’s equity. You take over the $237,212 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $149,509.37 is due at closing. Uses and sources reconcile at $386,721.79 each. Not a Closing Disclosure.