Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$36,673Cash toward the purchase price.
Closing costs + prepaids$12,504Not just lender fees.
Before credits & paid funds$49,177The complete starting cash picture.
Estimated remaining funds due at closing
$49,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,673.03
Your down payment$36,673.03
Closing costs + prepaids$12,504.24
Total buyer cash needed$49,177.27
Remaining funds due$49,177.27
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%)$1,291.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,970.25
Prepaid interest, first (23 days)$1,074.36
Fees + prepaids$12,504.24
Your down payment is the seller’s equity. You take over the $258,327 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $49,177.27 is due at closing. Uses and sources reconcile at $307,504.24 each. Not a Closing Disclosure.