Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$131,993Cash toward the purchase price.
Closing costs + prepaids$10,861Not just lender fees.
Before credits & paid funds$142,854The complete starting cash picture.
Estimated remaining funds due at closing
$142,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,993.42
Your down payment$131,993.42
Closing costs + prepaids$10,860.64
Total buyer cash needed$142,854.06
Remaining funds due$142,854.06
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%)$3,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,215.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$284.75
Prepaid interest, first (21 days)$392.87
Fees + prepaids$10,860.64
Your down payment is the seller’s equity. You take over the $243,006 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $142,854.06 is due at closing. Uses and sources reconcile at $385,859.64 each. Not a Closing Disclosure.