Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$230,309Cash toward the purchase price.
Closing costs + prepaids$11,532Not just lender fees.
Before credits & paid funds$241,841The complete starting cash picture.
Estimated remaining funds due at closing
$241,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,308.91
Your down payment$230,308.91
Closing costs + prepaids$11,531.92
Total buyer cash needed$241,840.83
Remaining funds due$241,840.83
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%)$723.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,184.00
Prepaid interest, first (24 days)$656.46
Fees + prepaids$11,531.92
Your down payment is the seller’s equity. You take over the $144,691 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $241,840.83 is due at closing. Uses and sources reconcile at $386,531.92 each. Not a Closing Disclosure.