Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$181,383Cash toward the purchase price.
Closing costs + prepaids$11,274Not just lender fees.
Before credits & paid funds$192,657The complete starting cash picture.
Estimated remaining funds due at closing
$192,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,382.95
Your down payment$181,382.95
Closing costs + prepaids$11,274.03
Total buyer cash needed$192,656.98
Remaining funds due$192,656.98
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%)$968.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,304.00
Prepaid interest, first (2 days)$33.95
Fees + prepaids$11,274.03
Your down payment is the seller’s equity. You take over the $193,617 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $192,656.98 is due at closing. Uses and sources reconcile at $386,274.03 each. Not a Closing Disclosure.