Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$319,192Cash toward the purchase price.
Closing costs + prepaids$9,786Not just lender fees.
Before credits & paid funds$328,978The complete starting cash picture.
Estimated remaining funds due at closing
$328,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,191.90
Your down payment$319,191.90
Closing costs + prepaids$9,786.39
Total buyer cash needed$328,978.29
Remaining funds due$328,978.29
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%)$279.04
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 (12 days)$89.35
Fees + prepaids$9,786.39
Your down payment is the seller’s equity. You take over the $55,808 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $328,978.29 is due at closing. Uses and sources reconcile at $384,786.39 each. Not a Closing Disclosure.