Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$14,698Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$27,230The complete starting cash picture.
Estimated remaining funds due at closing
$27,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,697.51
Your down payment$14,697.51
Closing costs + prepaids$12,532.42
Total buyer cash needed$27,229.92
Remaining funds due$27,229.92
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%)$1,801.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$260.00
Prepaid interest, first (25 days)$1,502.91
Fees + prepaids$12,532.42
Your down payment is the seller’s equity. You take over the $360,302 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $27,229.92 is due at closing. Uses and sources reconcile at $387,532.42 each. Not a Closing Disclosure.