Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$233,672Cash toward the purchase price.
Closing costs + prepaids$9,956Not just lender fees.
Before credits & paid funds$243,628The complete starting cash picture.
Estimated remaining funds due at closing
$243,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,671.62
Your down payment$233,671.62
Closing costs + prepaids$9,955.97
Total buyer cash needed$243,627.59
Remaining funds due$243,627.59
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%)$706.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$171.00
Initial HOA (3 months)$99.99
Prepaid interest, first (1 days)$10.34
Fees + prepaids$9,955.97
Your down payment is the seller’s equity. You take over the $141,328 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $243,627.59 is due at closing. Uses and sources reconcile at $384,955.97 each. Not a Closing Disclosure.