Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,010Cash toward the purchase price.
Closing costs + prepaids$12,111Not just lender fees.
Before credits & paid funds$86,121The complete starting cash picture.
Estimated remaining funds due at closing
$86,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,009.64
Your down payment$74,009.64
Closing costs + prepaids$12,111.06
Total buyer cash needed$86,120.70
Remaining funds due$86,120.70
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%)$1,504.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,032.50
Prepaid interest, first (24 days)$605.61
Fees + prepaids$12,111.06
Your down payment is the seller’s equity. You take over the $300,990 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $86,120.70 is due at closing. Uses and sources reconcile at $387,111.06 each. Not a Closing Disclosure.