Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$310,885Cash toward the purchase price.
Closing costs + prepaids$9,652Not just lender fees.
Before credits & paid funds$320,537The complete starting cash picture.
Estimated remaining funds due at closing
$320,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,884.62
Your down payment$310,884.62
Closing costs + prepaids$9,652.30
Total buyer cash needed$320,536.92
Remaining funds due$320,536.92
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%)$320.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$196.00
Prepaid interest, first (28 days)$167.72
Fees + prepaids$9,652.30
Your down payment is the seller’s equity. You take over the $64,115 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $320,536.92 is due at closing. Uses and sources reconcile at $384,652.30 each. Not a Closing Disclosure.