Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$203,962Cash toward the purchase price.
Closing costs + prepaids$10,517Not just lender fees.
Before credits & paid funds$214,479The complete starting cash picture.
Estimated remaining funds due at closing
$214,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,962.27
Your down payment$203,962.27
Closing costs + prepaids$10,517.06
Total buyer cash needed$214,479.33
Remaining funds due$214,479.33
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%)$855.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.25
Prepaid interest, first (30 days)$393.62
Fees + prepaids$10,517.06
Your down payment is the seller’s equity. You take over the $171,038 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $214,479.33 is due at closing. Uses and sources reconcile at $385,517.06 each. Not a Closing Disclosure.