Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$157,201Cash toward the purchase price.
Closing costs + prepaids$11,266Not just lender fees.
Before credits & paid funds$168,467The complete starting cash picture.
Estimated remaining funds due at closing
$168,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,200.54
Your down payment$157,200.54
Closing costs + prepaids$11,266.44
Total buyer cash needed$168,466.98
Remaining funds due$168,466.98
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%)$1,089.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$192.00
Prepaid interest, first (31 days)$573.44
Fees + prepaids$11,266.44
Your down payment is the seller’s equity. You take over the $217,799 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $168,466.98 is due at closing. Uses and sources reconcile at $386,266.44 each. Not a Closing Disclosure.