Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$138,169Cash toward the purchase price.
Closing costs + prepaids$12,398Not just lender fees.
Before credits & paid funds$150,567The complete starting cash picture.
Estimated remaining funds due at closing
$150,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,169.04
Your down payment$138,169.04
Closing costs + prepaids$12,398.35
Total buyer cash needed$150,567.39
Remaining funds due$150,567.39
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%)$1,184.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,503.00
Prepaid interest, first (23 days)$743.20
Fees + prepaids$12,398.35
Your down payment is the seller’s equity. You take over the $236,831 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $150,567.39 is due at closing. Uses and sources reconcile at $387,398.35 each. Not a Closing Disclosure.