Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$208,673Cash toward the purchase price.
Closing costs + prepaids$10,318Not just lender fees.
Before credits & paid funds$218,991The complete starting cash picture.
Estimated remaining funds due at closing
$218,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,672.86
Your down payment$208,672.86
Closing costs + prepaids$10,318.45
Total buyer cash needed$218,991.31
Remaining funds due$218,991.31
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%)$831.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.00
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$15.81
Fees + prepaids$10,318.45
Your down payment is the seller’s equity. You take over the $166,327 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $218,991.31 is due at closing. Uses and sources reconcile at $385,318.45 each. Not a Closing Disclosure.