Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,407Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$141,896The complete starting cash picture.
Estimated remaining funds due at closing
$141,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,406.67
Your down payment$131,406.67
Closing costs + prepaids$10,489.47
Total buyer cash needed$141,896.14
Remaining funds due$141,896.14
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%)$1,217.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$284.75
Prepaid interest, first (1 days)$18.75
Fees + prepaids$10,489.47
Your down payment is the seller’s equity. You take over the $243,593 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $141,896.14 is due at closing. Uses and sources reconcile at $385,489.47 each. Not a Closing Disclosure.