Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$53,933Cash toward the purchase price.
Closing costs + prepaids$13,313Not just lender fees.
Before credits & paid funds$67,246The complete starting cash picture.
Estimated remaining funds due at closing
$67,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,933.17
Your down payment$53,933.17
Closing costs + prepaids$13,312.65
Total buyer cash needed$67,245.82
Remaining funds due$67,245.82
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%)$1,605.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.50
Initial HOA (3 months)$33.75
Prepaid interest, first (30 days)$1,768.07
Fees + prepaids$13,312.65
Your down payment is the seller’s equity. You take over the $321,067 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $67,245.82 is due at closing. Uses and sources reconcile at $388,312.65 each. Not a Closing Disclosure.