Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$172,291Cash toward the purchase price.
Closing costs + prepaids$12,685Not just lender fees.
Before credits & paid funds$184,976The complete starting cash picture.
Estimated remaining funds due at closing
$184,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,291.09
Your down payment$172,291.09
Closing costs + prepaids$12,685.30
Total buyer cash needed$184,976.39
Remaining funds due$184,976.39
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%)$1,013.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$808.50
Initial HOA (3 months)$1,335.00
Prepaid interest, first (26 days)$560.25
Fees + prepaids$12,685.30
Your down payment is the seller’s equity. You take over the $202,709 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $184,976.39 is due at closing. Uses and sources reconcile at $387,685.30 each. Not a Closing Disclosure.