Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$53,933Cash toward the purchase price.
Closing costs + prepaids$12,841Not just lender fees.
Before credits & paid funds$66,774The complete starting cash picture.
Estimated remaining funds due at closing
$66,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,933.17
Your down payment$53,933.17
Closing costs + prepaids$12,841.17
Total buyer cash needed$66,774.33
Remaining funds due$66,774.33
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%)$1,605.33
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)$33.75
Prepaid interest, first (22 days)$1,296.58
Fees + prepaids$12,841.17
Your down payment is the seller’s equity. You take over the $321,067 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $66,774.33 is due at closing. Uses and sources reconcile at $387,841.17 each. Not a Closing Disclosure.