Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$88,844Cash toward the purchase price.
Closing costs + prepaids$12,616Not just lender fees.
Before credits & paid funds$101,459The complete starting cash picture.
Estimated remaining funds due at closing
$101,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,843.57
Your down payment$88,843.57
Closing costs + prepaids$12,615.57
Total buyer cash needed$101,459.14
Remaining funds due$101,459.14
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%)$1,430.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$788.00
Initial HOA (3 months)$774.00
Prepaid interest, first (29 days)$654.79
Fees + prepaids$12,615.57
Your down payment is the seller’s equity. You take over the $286,156 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $101,459.14 is due at closing. Uses and sources reconcile at $387,615.57 each. Not a Closing Disclosure.