Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,711Cash toward the purchase price.
Closing costs + prepaids$11,685Not just lender fees.
Before credits & paid funds$13,395The complete starting cash picture.
Estimated remaining funds due at closing
$13,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,710.59
Your down payment$1,710.59
Closing costs + prepaids$11,684.62
Total buyer cash needed$13,395.22
Remaining funds due$13,395.22
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%)$1,466.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$529.25
Prepaid interest, first (28 days)$1,520.93
Fees + prepaids$11,684.62
Your down payment is the seller’s equity. You take over the $293,289 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $13,395.22 is due at closing. Uses and sources reconcile at $306,684.62 each. Not a Closing Disclosure.