Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,994Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$143,042The complete starting cash picture.
Estimated remaining funds due at closing
$143,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,994.42
Your down payment$131,994.42
Closing costs + prepaids$11,047.73
Total buyer cash needed$143,042.15
Remaining funds due$143,042.15
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%)$1,215.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$284.75
Prepaid interest, first (31 days)$579.95
Fees + prepaids$11,047.73
Your down payment is the seller’s equity. You take over the $243,006 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $143,042.15 is due at closing. Uses and sources reconcile at $386,047.73 each. Not a Closing Disclosure.