Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$73,838Cash toward the purchase price.
Closing costs + prepaids$12,189Not just lender fees.
Before credits & paid funds$86,028The complete starting cash picture.
Estimated remaining funds due at closing
$86,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,838.16
Your down payment$73,838.16
Closing costs + prepaids$12,189.48
Total buyer cash needed$86,027.65
Remaining funds due$86,027.65
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%)$1,505.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$641.00
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$984.68
Fees + prepaids$12,189.48
Your down payment is the seller’s equity. You take over the $301,162 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $86,027.65 is due at closing. Uses and sources reconcile at $387,189.48 each. Not a Closing Disclosure.