Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$203,307Cash toward the purchase price.
Closing costs + prepaids$11,731Not just lender fees.
Before credits & paid funds$215,038The complete starting cash picture.
Estimated remaining funds due at closing
$215,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,306.68
Your down payment$203,306.68
Closing costs + prepaids$11,731.47
Total buyer cash needed$215,038.15
Remaining funds due$215,038.15
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%)$858.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.50
Initial HOA (3 months)$630.00
Prepaid interest, first (25 days)$337.51
Fees + prepaids$11,731.47
Your down payment is the seller’s equity. You take over the $171,693 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $215,038.15 is due at closing. Uses and sources reconcile at $386,731.47 each. Not a Closing Disclosure.