Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$112,723Cash toward the purchase price.
Closing costs + prepaids$10,755Not just lender fees.
Before credits & paid funds$123,478The complete starting cash picture.
Estimated remaining funds due at closing
$123,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,722.87
Your down payment$112,722.87
Closing costs + prepaids$10,755.22
Total buyer cash needed$123,478.09
Remaining funds due$123,478.09
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%)$1,311.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (22 days)$475.84
Fees + prepaids$10,755.22
Your down payment is the seller’s equity. You take over the $262,277 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $123,478.09 is due at closing. Uses and sources reconcile at $385,755.22 each. Not a Closing Disclosure.