Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$68,876Cash toward the purchase price.
Closing costs + prepaids$12,179Not just lender fees.
Before credits & paid funds$81,055The complete starting cash picture.
Estimated remaining funds due at closing
$81,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,876.40
Your down payment$68,876.40
Closing costs + prepaids$12,178.53
Total buyer cash needed$81,054.93
Remaining funds due$81,054.93
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%)$1,530.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$208.00
Prepaid interest, first (26 days)$1,471.91
Fees + prepaids$12,178.53
Your down payment is the seller’s equity. You take over the $306,124 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $81,054.93 is due at closing. Uses and sources reconcile at $387,178.53 each. Not a Closing Disclosure.