Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$131,994Cash toward the purchase price.
Closing costs + prepaids$10,973Not just lender fees.
Before credits & paid funds$142,967The complete starting cash picture.
Estimated remaining funds due at closing
$142,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,994.42
Your down payment$131,994.42
Closing costs + prepaids$10,972.90
Total buyer cash needed$142,967.31
Remaining funds due$142,967.31
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%)$1,215.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$284.75
Prepaid interest, first (27 days)$505.12
Fees + prepaids$10,972.90
Your down payment is the seller’s equity. You take over the $243,006 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $142,967.31 is due at closing. Uses and sources reconcile at $385,972.90 each. Not a Closing Disclosure.