Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$135,718Cash toward the purchase price.
Closing costs + prepaids$12,659Not just lender fees.
Before credits & paid funds$148,377The complete starting cash picture.
Estimated remaining funds due at closing
$148,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,718.03
Your down payment$135,718.03
Closing costs + prepaids$12,659.15
Total buyer cash needed$148,377.18
Remaining funds due$148,377.18
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%)$1,196.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,712.75
Initial HOA (3 months)$273.99
Prepaid interest, first (27 days)$508.00
Fees + prepaids$12,659.15
Your down payment is the seller’s equity. You take over the $239,282 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $148,377.18 is due at closing. Uses and sources reconcile at $387,659.15 each. Not a Closing Disclosure.