Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$191,969Cash toward the purchase price.
Closing costs + prepaids$10,496Not just lender fees.
Before credits & paid funds$202,466The complete starting cash picture.
Estimated remaining funds due at closing
$202,466No 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$10,496.47
Total buyer cash needed$202,465.72
Remaining funds due$202,465.72
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)$331.50
Prepaid interest, first (20 days)$281.82
Fees + prepaids$10,496.47
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. $202,465.72 is due at closing. Uses and sources reconcile at $385,496.47 each. Not a Closing Disclosure.