Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$156,470Cash toward the purchase price.
Closing costs + prepaids$11,205Not just lender fees.
Before credits & paid funds$167,675The complete starting cash picture.
Estimated remaining funds due at closing
$167,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,469.56
Your down payment$156,469.56
Closing costs + prepaids$11,205.10
Total buyer cash needed$167,674.66
Remaining funds due$167,674.66
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%)$1,092.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$704.75
Prepaid interest, first (24 days)$439.70
Fees + prepaids$11,205.10
Your down payment is the seller’s equity. You take over the $218,530 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $167,674.66 is due at closing. Uses and sources reconcile at $386,205.10 each. Not a Closing Disclosure.