Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,473Cash toward the purchase price.
Closing costs + prepaids$11,667Not just lender fees.
Before credits & paid funds$160,140The complete starting cash picture.
Estimated remaining funds due at closing
$160,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,473.01
Your down payment$148,473.01
Closing costs + prepaids$11,667.31
Total buyer cash needed$160,140.32
Remaining funds due$160,140.32
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%)$1,132.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$971.25
Prepaid interest, first (26 days)$595.42
Fees + prepaids$11,667.31
Your down payment is the seller’s equity. You take over the $226,527 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $160,140.32 is due at closing. Uses and sources reconcile at $386,667.31 each. Not a Closing Disclosure.