Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$82,237Cash toward the purchase price.
Closing costs + prepaids$13,151Not just lender fees.
Before credits & paid funds$95,387The complete starting cash picture.
Estimated remaining funds due at closing
$95,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,236.55
Your down payment$82,236.55
Closing costs + prepaids$13,150.62
Total buyer cash needed$95,387.17
Remaining funds due$95,387.17
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%)$1,463.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$496.25
Initial HOA (3 months)$981.00
Prepaid interest, first (23 days)$1,241.56
Fees + prepaids$13,150.62
Your down payment is the seller’s equity. You take over the $292,763 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $95,387.17 is due at closing. Uses and sources reconcile at $388,150.62 each. Not a Closing Disclosure.