Follow the dollars · Assumption only
A complete cash picture for Dec 21, 2026
Your down payment$115,156Cash toward the purchase price.
Closing costs + prepaids$11,009Not just lender fees.
Before credits & paid funds$126,166The complete starting cash picture.
Estimated remaining funds due at closing
$126,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,156.28
Your down payment$115,156.28
Closing costs + prepaids$11,009.31
Total buyer cash needed$126,165.59
Remaining funds due$126,165.59
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%)$1,299.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Prepaid interest, first (11 days)$292.09
Fees + prepaids$11,009.31
Your down payment is the seller’s equity. You take over the $259,844 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $126,165.59 is due at closing. Uses and sources reconcile at $386,009.31 each. Not a Closing Disclosure.