Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$111,473Cash toward the purchase price.
Closing costs + prepaids$11,127Not just lender fees.
Before credits & paid funds$122,601The complete starting cash picture.
Estimated remaining funds due at closing
$122,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,473.37
Your down payment$111,473.37
Closing costs + prepaids$11,127.37
Total buyer cash needed$122,600.74
Remaining funds due$122,600.74
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%)$3,755.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,320.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$303.00
Prepaid interest, first (24 days)$531.24
Fees + prepaids$11,127.37
Your down payment is the seller’s equity. You take over the $264,027 balance, so the rest of the $375,500 price is paid at closing. A second mortgage can cover part of it. $122,600.74 is due at closing. Uses and sources reconcile at $386,627.37 each. Not a Closing Disclosure.