Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$161,639Cash toward the purchase price.
Closing costs + prepaids$10,658Not just lender fees.
Before credits & paid funds$172,297The complete starting cash picture.
Estimated remaining funds due at closing
$172,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,639.29
Your down payment$161,639.29
Closing costs + prepaids$10,657.83
Total buyer cash needed$172,297.12
Remaining funds due$172,297.12
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%)$1,066.80
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)$173.03
Fees + prepaids$10,657.83
Your down payment is the seller’s equity. You take over the $213,361 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $172,297.12 is due at closing. Uses and sources reconcile at $385,657.83 each. Not a Closing Disclosure.