Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$105,008Cash toward the purchase price.
Closing costs + prepaids$11,122Not just lender fees.
Before credits & paid funds$116,130The complete starting cash picture.
Estimated remaining funds due at closing
$116,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,008.50
Your down payment$105,008.50
Closing costs + prepaids$11,121.79
Total buyer cash needed$116,130.29
Remaining funds due$116,130.29
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%)$1,349.96
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 (15 days)$335.09
Fees + prepaids$11,121.79
Your down payment is the seller’s equity. You take over the $269,992 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $116,130.29 is due at closing. Uses and sources reconcile at $386,121.79 each. Not a Closing Disclosure.