Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$227,863Cash toward the purchase price.
Closing costs + prepaids$10,499Not just lender fees.
Before credits & paid funds$238,362The complete starting cash picture.
Estimated remaining funds due at closing
$238,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,863.13
Your down payment$227,863.13
Closing costs + prepaids$10,498.81
Total buyer cash needed$238,361.95
Remaining funds due$238,361.95
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%)$735.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Initial HOA (3 months)$225.00
Prepaid interest, first (10 days)$120.13
Fees + prepaids$10,498.81
Your down payment is the seller’s equity. You take over the $147,137 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $238,361.95 is due at closing. Uses and sources reconcile at $385,498.81 each. Not a Closing Disclosure.