Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,187Cash toward the purchase price.
Closing costs + prepaids$11,353Not just lender fees.
Before credits & paid funds$54,540The complete starting cash picture.
Estimated remaining funds due at closing
$54,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,187.06
Your down payment$43,187.06
Closing costs + prepaids$11,352.91
Total buyer cash needed$54,539.98
Remaining funds due$54,539.98
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%)$1,259.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$689.00
Prepaid interest, first (27 days)$1,236.85
Fees + prepaids$11,352.91
Your down payment is the seller’s equity. You take over the $251,813 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $54,539.98 is due at closing. Uses and sources reconcile at $306,352.91 each. Not a Closing Disclosure.