Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$29,068Cash toward the purchase price.
Closing costs + prepaids$10,526Not just lender fees.
Before credits & paid funds$39,593The complete starting cash picture.
Estimated remaining funds due at closing
$39,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,067.76
Your down payment$29,067.76
Closing costs + prepaids$10,525.59
Total buyer cash needed$39,593.35
Remaining funds due$39,593.35
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%)$1,329.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.00
Initial HOA (3 months)$270.00
Prepaid interest, first (9 days)$403.93
Fees + prepaids$10,525.59
Your down payment is the seller’s equity. You take over the $265,932 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $39,593.35 is due at closing. Uses and sources reconcile at $305,525.59 each. Not a Closing Disclosure.