Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,135Cash toward the purchase price.
Closing costs + prepaids$12,651Not just lender fees.
Before credits & paid funds$38,786The complete starting cash picture.
Estimated remaining funds due at closing
$38,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,134.95
Your down payment$26,134.95
Closing costs + prepaids$12,650.75
Total buyer cash needed$38,785.70
Remaining funds due$38,785.70
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%)$1,744.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.50
Prepaid interest, first (31 days)$1,925.93
Fees + prepaids$12,650.75
Your down payment is the seller’s equity. You take over the $348,865 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $38,785.70 is due at closing. Uses and sources reconcile at $387,650.75 each. Not a Closing Disclosure.