Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$141,528Cash toward the purchase price.
Closing costs + prepaids$11,407Not just lender fees.
Before credits & paid funds$152,934The complete starting cash picture.
Estimated remaining funds due at closing
$152,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,527.55
Your down payment$141,527.55
Closing costs + prepaids$11,406.57
Total buyer cash needed$152,934.11
Remaining funds due$152,934.11
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%)$1,167.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.00
Initial HOA (3 months)$276.00
Prepaid interest, first (21 days)$478.20
Fees + prepaids$11,406.57
Your down payment is the seller’s equity. You take over the $233,472 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $152,934.11 is due at closing. Uses and sources reconcile at $386,406.57 each. Not a Closing Disclosure.