Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$219,929Cash toward the purchase price.
Closing costs + prepaids$10,523Not just lender fees.
Before credits & paid funds$230,452The complete starting cash picture.
Estimated remaining funds due at closing
$230,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,929.05
Your down payment$219,929.05
Closing costs + prepaids$10,523.35
Total buyer cash needed$230,452.40
Remaining funds due$230,452.40
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%)$775.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.75
Prepaid interest, first (18 days)$311.25
Fees + prepaids$10,523.35
Your down payment is the seller’s equity. You take over the $155,071 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $230,452.40 is due at closing. Uses and sources reconcile at $385,523.35 each. Not a Closing Disclosure.