Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$12,827Cash toward the purchase price.
Closing costs + prepaids$12,187Not just lender fees.
Before credits & paid funds$25,014The complete starting cash picture.
Estimated remaining funds due at closing
$25,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,827.16
Your down payment$12,827.16
Closing costs + prepaids$12,186.82
Total buyer cash needed$25,013.99
Remaining funds due$25,013.99
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%)$1,810.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$666.25
Prepaid interest, first (23 days)$741.71
Fees + prepaids$12,186.82
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $25,013.99 is due at closing. Uses and sources reconcile at $387,186.82 each. Not a Closing Disclosure.