Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$223,214Cash toward the purchase price.
Closing costs + prepaids$10,158Not just lender fees.
Before credits & paid funds$233,372The complete starting cash picture.
Estimated remaining funds due at closing
$233,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,213.76
Your down payment$223,213.76
Closing costs + prepaids$10,158.30
Total buyer cash needed$233,372.06
Remaining funds due$233,372.06
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%)$3,759.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$763.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$79.00
Prepaid interest, first (26 days)$337.38
Fees + prepaids$10,158.30
Your down payment is the seller’s equity. You take over the $152,785 balance, so the rest of the $375,999 price is paid at closing. A second mortgage can cover part of it. $233,372.06 is due at closing. Uses and sources reconcile at $386,157.30 each. Not a Closing Disclosure.