Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$182,002Cash toward the purchase price.
Closing costs + prepaids$11,901Not just lender fees.
Before credits & paid funds$193,903The complete starting cash picture.
Estimated remaining funds due at closing
$193,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,002.09
Your down payment$182,002.09
Closing costs + prepaids$11,900.94
Total buyer cash needed$193,903.03
Remaining funds due$193,903.03
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%)$964.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.50
Prepaid interest, first (28 days)$1,030.45
Fees + prepaids$11,900.94
Your down payment is the seller’s equity. You take over the $192,998 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $193,903.03 is due at closing. Uses and sources reconcile at $386,900.94 each. Not a Closing Disclosure.