Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,155Cash toward the purchase price.
Closing costs + prepaids$12,322Not just lender fees.
Before credits & paid funds$60,476The complete starting cash picture.
Estimated remaining funds due at closing
$60,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,154.57
Your down payment$48,154.57
Closing costs + prepaids$12,321.57
Total buyer cash needed$60,476.14
Remaining funds due$60,476.14
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%)$1,634.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$206.00
Prepaid interest, first (26 days)$1,513.34
Fees + prepaids$12,321.57
Your down payment is the seller’s equity. You take over the $326,845 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $60,476.14 is due at closing. Uses and sources reconcile at $387,321.57 each. Not a Closing Disclosure.