Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,327Cash toward the purchase price.
Closing costs + prepaids$10,686Not just lender fees.
Before credits & paid funds$157,014The complete starting cash picture.
Estimated remaining funds due at closing
$157,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,327.33
Your down payment$146,327.33
Closing costs + prepaids$10,686.48
Total buyer cash needed$157,013.81
Remaining funds due$157,013.81
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%)$1,143.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$291.50
Initial HOA (3 months)$261.00
Prepaid interest, first (1 days)$22.62
Fees + prepaids$10,686.48
Your down payment is the seller’s equity. You take over the $228,673 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $157,013.81 is due at closing. Uses and sources reconcile at $385,686.48 each. Not a Closing Disclosure.