Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$42,338Cash toward the purchase price.
Closing costs + prepaids$12,016Not just lender fees.
Before credits & paid funds$54,355The complete starting cash picture.
Estimated remaining funds due at closing
$54,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,338.25
Your down payment$42,338.25
Closing costs + prepaids$12,016.41
Total buyer cash needed$54,354.66
Remaining funds due$54,354.66
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%)$1,663.31
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 (18 days)$935.10
Fees + prepaids$12,016.41
Your down payment is the seller’s equity. You take over the $332,662 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $54,354.66 is due at closing. Uses and sources reconcile at $387,016.41 each. Not a Closing Disclosure.