Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$95,437Cash toward the purchase price.
Closing costs + prepaids$11,444Not just lender fees.
Before credits & paid funds$106,881The complete starting cash picture.
Estimated remaining funds due at closing
$106,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,436.70
Your down payment$95,436.70
Closing costs + prepaids$11,444.27
Total buyer cash needed$106,880.96
Remaining funds due$106,880.96
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%)$1,397.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.00
Prepaid interest, first (27 days)$591.45
Fees + prepaids$11,444.27
Your down payment is the seller’s equity. You take over the $279,563 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $106,880.96 is due at closing. Uses and sources reconcile at $386,444.27 each. Not a Closing Disclosure.