Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$260,350Cash toward the purchase price.
Closing costs + prepaids$10,331Not just lender fees.
Before credits & paid funds$270,681The complete starting cash picture.
Estimated remaining funds due at closing
$270,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,349.92
Your down payment$260,349.92
Closing costs + prepaids$10,330.86
Total buyer cash needed$270,680.78
Remaining funds due$270,680.78
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%)$573.25
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)$320.86
Fees + prepaids$10,330.86
Your down payment is the seller’s equity. You take over the $114,650 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $270,680.78 is due at closing. Uses and sources reconcile at $385,330.86 each. Not a Closing Disclosure.