Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,306Cash toward the purchase price.
Closing costs + prepaids$10,985Not just lender fees.
Before credits & paid funds$70,291The complete starting cash picture.
Estimated remaining funds due at closing
$70,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,306.02
Your down payment$59,306.02
Closing costs + prepaids$10,985.27
Total buyer cash needed$70,291.29
Remaining funds due$70,291.29
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%)$1,178.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$547.50
Prepaid interest, first (26 days)$1,091.30
Fees + prepaids$10,985.27
Your down payment is the seller’s equity. You take over the $235,694 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $70,291.29 is due at closing. Uses and sources reconcile at $305,985.27 each. Not a Closing Disclosure.