Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$190,224Cash toward the purchase price.
Closing costs + prepaids$10,277Not just lender fees.
Before credits & paid funds$200,501The complete starting cash picture.
Estimated remaining funds due at closing
$200,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,224.41
Your down payment$190,224.41
Closing costs + prepaids$10,276.85
Total buyer cash needed$200,501.26
Remaining funds due$200,501.26
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%)$923.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$370.75
Prepaid interest, first (1 days)$14.23
Fees + prepaids$10,276.85
Your down payment is the seller’s equity. You take over the $184,776 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $200,501.26 is due at closing. Uses and sources reconcile at $385,276.85 each. Not a Closing Disclosure.