Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,602Cash toward the purchase price.
Closing costs + prepaids$12,311Not just lender fees.
Before credits & paid funds$88,913The complete starting cash picture.
Estimated remaining funds due at closing
$88,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,601.79
Your down payment$76,601.79
Closing costs + prepaids$12,311.13
Total buyer cash needed$88,912.92
Remaining funds due$88,912.92
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%)$1,091.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,406.75
Initial HOA (3 months)$236.01
Prepaid interest, first (25 days)$408.37
Fees + prepaids$12,311.13
Your down payment is the seller’s equity. You take over the $218,398 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $88,912.92 is due at closing. Uses and sources reconcile at $307,311.13 each. Not a Closing Disclosure.