Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$120,029Cash toward the purchase price.
Closing costs + prepaids$10,513Not just lender fees.
Before credits & paid funds$130,542The complete starting cash picture.
Estimated remaining funds due at closing
$130,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,029.34
Your down payment$120,029.34
Closing costs + prepaids$10,512.57
Total buyer cash needed$130,541.91
Remaining funds due$130,541.91
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%)$874.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$866.00
Initial HOA (3 months)$4.50
Prepaid interest, first (25 days)$599.21
Fees + prepaids$10,512.57
Your down payment is the seller’s equity. You take over the $174,971 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $130,541.91 is due at closing. Uses and sources reconcile at $305,512.57 each. Not a Closing Disclosure.