Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$44,362Cash toward the purchase price.
Closing costs + prepaids$12,486Not just lender fees.
Before credits & paid funds$56,848The complete starting cash picture.
Estimated remaining funds due at closing
$56,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,361.62
Your down payment$44,361.62
Closing costs + prepaids$12,486.29
Total buyer cash needed$56,847.91
Remaining funds due$56,847.91
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%)$1,653.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.00
Prepaid interest, first (23 days)$1,450.10
Fees + prepaids$12,486.29
Your down payment is the seller’s equity. You take over the $330,638 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $56,847.91 is due at closing. Uses and sources reconcile at $387,486.29 each. Not a Closing Disclosure.