Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$224,143Cash toward the purchase price.
Closing costs + prepaids$10,311Not just lender fees.
Before credits & paid funds$234,454The complete starting cash picture.
Estimated remaining funds due at closing
$234,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,142.57
Your down payment$224,142.57
Closing costs + prepaids$10,310.93
Total buyer cash needed$234,453.50
Remaining funds due$234,453.50
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%)$754.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$344.75
Prepaid interest, first (21 days)$243.89
Fees + prepaids$10,310.93
Your down payment is the seller’s equity. You take over the $150,857 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $234,453.50 is due at closing. Uses and sources reconcile at $385,310.93 each. Not a Closing Disclosure.