Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$266,934Cash toward the purchase price.
Closing costs + prepaids$10,358Not just lender fees.
Before credits & paid funds$277,292The complete starting cash picture.
Estimated remaining funds due at closing
$277,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,933.90
Your down payment$266,933.90
Closing costs + prepaids$10,358.28
Total buyer cash needed$277,292.18
Remaining funds due$277,292.18
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%)$540.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$601.25
Prepaid interest, first (24 days)$248.70
Fees + prepaids$10,358.28
Your down payment is the seller’s equity. You take over the $108,066 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $277,292.18 is due at closing. Uses and sources reconcile at $385,358.28 each. Not a Closing Disclosure.