Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$264,111Cash toward the purchase price.
Closing costs + prepaids$10,274Not just lender fees.
Before credits & paid funds$274,385The complete starting cash picture.
Estimated remaining funds due at closing
$274,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,111.10
Your down payment$264,111.10
Closing costs + prepaids$10,274.11
Total buyer cash needed$274,385.21
Remaining funds due$274,385.21
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%)$554.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$554.25
Prepaid interest, first (18 days)$197.41
Fees + prepaids$10,274.11
Your down payment is the seller’s equity. You take over the $110,889 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $274,385.21 is due at closing. Uses and sources reconcile at $385,274.11 each. Not a Closing Disclosure.