Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$62,414Cash toward the purchase price.
Closing costs + prepaids$11,079Not just lender fees.
Before credits & paid funds$73,493The complete starting cash picture.
Estimated remaining funds due at closing
$73,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,414.04
Your down payment$62,414.04
Closing costs + prepaids$11,079.28
Total buyer cash needed$73,493.32
Remaining funds due$73,493.32
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%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,162.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$209.00
Initial HOA (3 months)$765.00
Prepaid interest, first (31 days)$774.35
Fees + prepaids$11,079.28
Your down payment is the seller’s equity. You take over the $232,586 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $73,493.32 is due at closing. Uses and sources reconcile at $306,079.28 each. Not a Closing Disclosure.