Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$141,528Cash toward the purchase price.
Closing costs + prepaids$11,543Not just lender fees.
Before credits & paid funds$153,071The complete starting cash picture.
Estimated remaining funds due at closing
$153,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,527.55
Your down payment$141,527.55
Closing costs + prepaids$11,543.19
Total buyer cash needed$153,070.74
Remaining funds due$153,070.74
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%)$1,167.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.00
Initial HOA (3 months)$276.00
Prepaid interest, first (27 days)$614.83
Fees + prepaids$11,543.19
Your down payment is the seller’s equity. You take over the $233,472 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $153,070.74 is due at closing. Uses and sources reconcile at $386,543.19 each. Not a Closing Disclosure.