Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$142,758Cash toward the purchase price.
Closing costs + prepaids$10,708Not just lender fees.
Before credits & paid funds$153,467The complete starting cash picture.
Estimated remaining funds due at closing
$153,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,758.38
Your down payment$142,758.38
Closing costs + prepaids$10,708.13
Total buyer cash needed$153,466.51
Remaining funds due$153,466.51
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%)$1,161.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$26.00
Prepaid interest, first (22 days)$552.93
Fees + prepaids$10,708.13
Your down payment is the seller’s equity. You take over the $232,242 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $153,466.51 is due at closing. Uses and sources reconcile at $385,708.13 each. Not a Closing Disclosure.