Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$74,118Cash toward the purchase price.
Closing costs + prepaids$14,064Not just lender fees.
Before credits & paid funds$88,182The complete starting cash picture.
Estimated remaining funds due at closing
$88,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,118.04
Your down payment$74,118.04
Closing costs + prepaids$14,064.23
Total buyer cash needed$88,182.27
Remaining funds due$88,182.27
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%)$1,504.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,514.00
Prepaid interest, first (25 days)$1,077.82
Fees + prepaids$14,064.23
Your down payment is the seller’s equity. You take over the $300,882 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $88,182.27 is due at closing. Uses and sources reconcile at $389,064.23 each. Not a Closing Disclosure.