Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,017Cash toward the purchase price.
Closing costs + prepaids$11,525Not just lender fees.
Before credits & paid funds$114,541The complete starting cash picture.
Estimated remaining funds due at closing
$114,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,016.53
Your down payment$103,016.53
Closing costs + prepaids$11,524.68
Total buyer cash needed$114,541.21
Remaining funds due$114,541.21
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%)$1,359.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.75
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$626.01
Fees + prepaids$11,524.68
Your down payment is the seller’s equity. You take over the $271,983 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $114,541.21 is due at closing. Uses and sources reconcile at $386,524.68 each. Not a Closing Disclosure.