Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$140,979Cash toward the purchase price.
Closing costs + prepaids$10,954Not just lender fees.
Before credits & paid funds$151,933The complete starting cash picture.
Estimated remaining funds due at closing
$151,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,978.74
Your down payment$140,978.74
Closing costs + prepaids$10,953.93
Total buyer cash needed$151,932.67
Remaining funds due$151,932.67
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%)$1,170.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.00
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$22.83
Fees + prepaids$10,953.93
Your down payment is the seller’s equity. You take over the $234,021 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $151,932.67 is due at closing. Uses and sources reconcile at $385,953.93 each. Not a Closing Disclosure.