Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$191,969Cash toward the purchase price.
Closing costs + prepaids$10,474Not just lender fees.
Before credits & paid funds$202,443The complete starting cash picture.
Estimated remaining funds due at closing
$202,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,969.25
Your down payment$191,969.25
Closing costs + prepaids$10,474.06
Total buyer cash needed$202,443.31
Remaining funds due$202,443.31
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%)$915.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Prepaid interest, first (10 days)$140.91
Fees + prepaids$10,474.06
Your down payment is the seller’s equity. You take over the $183,031 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $202,443.31 is due at closing. Uses and sources reconcile at $385,474.06 each. Not a Closing Disclosure.