Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$102,415Cash toward the purchase price.
Closing costs + prepaids$11,533Not just lender fees.
Before credits & paid funds$113,948The complete starting cash picture.
Estimated remaining funds due at closing
$113,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,414.57
Your down payment$102,414.57
Closing costs + prepaids$11,533.02
Total buyer cash needed$113,947.59
Remaining funds due$113,947.59
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%)$1,362.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.75
Initial HOA (3 months)$345.00
Prepaid interest, first (13 days)$388.34
Fees + prepaids$11,533.02
Your down payment is the seller’s equity. You take over the $272,585 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $113,947.59 is due at closing. Uses and sources reconcile at $386,533.02 each. Not a Closing Disclosure.