Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,269Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$23,551The complete starting cash picture.
Estimated remaining funds due at closing
$23,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,268.98
Your down payment$12,268.98
Closing costs + prepaids$11,281.59
Total buyer cash needed$23,550.57
Remaining funds due$23,550.57
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%)$1,413.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$470.25
Prepaid interest, first (25 days)$1,229.69
Fees + prepaids$11,281.59
Your down payment is the seller’s equity. You take over the $282,731 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $23,550.57 is due at closing. Uses and sources reconcile at $306,281.59 each. Not a Closing Disclosure.