Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,017Cash toward the purchase price.
Closing costs + prepaids$11,672Not just lender fees.
Before credits & paid funds$137,689The complete starting cash picture.
Estimated remaining funds due at closing
$137,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,016.76
Your down payment$126,016.76
Closing costs + prepaids$11,671.86
Total buyer cash needed$137,688.62
Remaining funds due$137,688.62
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%)$1,244.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.50
Initial HOA (3 months)$50.76
Prepaid interest, first (23 days)$470.68
Fees + prepaids$11,671.86
Your down payment is the seller’s equity. You take over the $248,983 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $137,688.62 is due at closing. Uses and sources reconcile at $386,671.86 each. Not a Closing Disclosure.