Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$227,863Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$238,624The complete starting cash picture.
Estimated remaining funds due at closing
$238,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,863.13
Your down payment$227,863.13
Closing costs + prepaids$10,761.08
Total buyer cash needed$238,624.22
Remaining funds due$238,624.22
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%)$735.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$460.00
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$372.40
Fees + prepaids$10,761.08
Your down payment is the seller’s equity. You take over the $147,137 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $238,624.22 is due at closing. Uses and sources reconcile at $385,761.08 each. Not a Closing Disclosure.