Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,239Cash toward the purchase price.
Closing costs + prepaids$13,608Not just lender fees.
Before credits & paid funds$38,847The complete starting cash picture.
Estimated remaining funds due at closing
$38,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,239.25
Your down payment$25,239.25
Closing costs + prepaids$13,608.00
Total buyer cash needed$38,847.25
Remaining funds due$38,847.25
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%)$1,748.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$511.75
Initial HOA (3 months)$1,770.00
Prepaid interest, first (24 days)$609.45
Fees + prepaids$13,608.00
Your down payment is the seller’s equity. You take over the $349,761 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $38,847.25 is due at closing. Uses and sources reconcile at $388,608.00 each. Not a Closing Disclosure.