Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,820Cash toward the purchase price.
Closing costs + prepaids$12,581Not just lender fees.
Before credits & paid funds$37,400The complete starting cash picture.
Estimated remaining funds due at closing
$37,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,819.62
Your down payment$24,819.62
Closing costs + prepaids$12,580.73
Total buyer cash needed$37,400.35
Remaining funds due$37,400.35
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%)$1,350.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,018.25
Initial HOA (3 months)$1,122.00
Prepaid interest, first (25 days)$921.57
Fees + prepaids$12,580.73
Your down payment is the seller’s equity. You take over the $270,180 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $37,400.35 is due at closing. Uses and sources reconcile at $307,580.73 each. Not a Closing Disclosure.