Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$170,801Cash toward the purchase price.
Closing costs + prepaids$11,513Not just lender fees.
Before credits & paid funds$182,314The complete starting cash picture.
Estimated remaining funds due at closing
$182,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,801.43
Your down payment$170,801.43
Closing costs + prepaids$11,512.68
Total buyer cash needed$182,314.11
Remaining funds due$182,314.11
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%)$1,020.99
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)$975.00
Prepaid interest, first (6 days)$98.69
Fees + prepaids$11,512.68
Your down payment is the seller’s equity. You take over the $204,199 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $182,314.11 is due at closing. Uses and sources reconcile at $386,512.68 each. Not a Closing Disclosure.