Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$73,815Cash toward the purchase price.
Closing costs + prepaids$11,340Not just lender fees.
Before credits & paid funds$85,155The complete starting cash picture.
Estimated remaining funds due at closing
$85,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,815.36
Your down payment$73,815.36
Closing costs + prepaids$11,339.74
Total buyer cash needed$85,155.09
Remaining funds due$85,155.09
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%)$1,505.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.50
Prepaid interest, first (25 days)$633.31
Fees + prepaids$11,339.74
Your down payment is the seller’s equity. You take over the $301,185 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $85,155.09 is due at closing. Uses and sources reconcile at $386,339.74 each. Not a Closing Disclosure.