Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$239,105Cash toward the purchase price.
Closing costs + prepaids$11,479Not just lender fees.
Before credits & paid funds$250,585The complete starting cash picture.
Estimated remaining funds due at closing
$250,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,105.48
Your down payment$239,105.48
Closing costs + prepaids$11,479.39
Total buyer cash needed$250,584.87
Remaining funds due$250,584.87
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%)$679.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,370.50
Initial HOA (3 months)$35.49
Prepaid interest, first (26 days)$425.93
Fees + prepaids$11,479.39
Your down payment is the seller’s equity. You take over the $135,895 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $250,584.87 is due at closing. Uses and sources reconcile at $386,479.39 each. Not a Closing Disclosure.