Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$72,280Cash toward the purchase price.
Closing costs + prepaids$11,709Not just lender fees.
Before credits & paid funds$83,989The complete starting cash picture.
Estimated remaining funds due at closing
$83,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,280.39
Your down payment$72,280.39
Closing costs + prepaids$11,708.89
Total buyer cash needed$83,989.28
Remaining funds due$83,989.28
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%)$1,513.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$608.25
Prepaid interest, first (24 days)$619.04
Fees + prepaids$11,708.89
Your down payment is the seller’s equity. You take over the $302,720 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $83,989.28 is due at closing. Uses and sources reconcile at $386,708.89 each. Not a Closing Disclosure.