Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$140,829Cash toward the purchase price.
Closing costs + prepaids$11,113Not just lender fees.
Before credits & paid funds$151,942The complete starting cash picture.
Estimated remaining funds due at closing
$151,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,829.07
Your down payment$140,829.07
Closing costs + prepaids$11,113.38
Total buyer cash needed$151,942.45
Remaining funds due$151,942.45
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%)$1,170.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$369.25
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$20.27
Fees + prepaids$11,113.38
Your down payment is the seller’s equity. You take over the $234,171 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $151,942.45 is due at closing. Uses and sources reconcile at $386,113.38 each. Not a Closing Disclosure.