Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$112,526Cash toward the purchase price.
Closing costs + prepaids$13,451Not just lender fees.
Before credits & paid funds$125,977The complete starting cash picture.
Estimated remaining funds due at closing
$125,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,525.96
Your down payment$112,525.96
Closing costs + prepaids$13,451.48
Total buyer cash needed$125,977.44
Remaining funds due$125,977.44
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,311.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.25
Initial HOA (3 months)$1,716.00
Prepaid interest, first (25 days)$519.36
Fees + prepaids$13,451.48
Your down payment is the seller’s equity. You take over the $262,374 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $125,977.44 is due at closing. Uses and sources reconcile at $388,351.48 each. Not a Closing Disclosure.