Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$133,197Cash toward the purchase price.
Closing costs + prepaids$12,287Not just lender fees.
Before credits & paid funds$145,484The complete starting cash picture.
Estimated remaining funds due at closing
$145,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,196.65
Your down payment$133,196.65
Closing costs + prepaids$12,287.48
Total buyer cash needed$145,484.12
Remaining funds due$145,484.12
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%)$3,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,209.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.50
Prepaid interest, first (26 days)$1,172.97
Fees + prepaids$12,287.48
Your down payment is the seller’s equity. You take over the $241,802 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $145,484.12 is due at closing. Uses and sources reconcile at $387,286.48 each. Not a Closing Disclosure.