Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$118,866Cash toward the purchase price.
Closing costs + prepaids$11,113Not just lender fees.
Before credits & paid funds$129,979The complete starting cash picture.
Estimated remaining funds due at closing
$129,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,865.50
Your down payment$118,865.50
Closing costs + prepaids$11,113.28
Total buyer cash needed$129,978.78
Remaining funds due$129,978.78
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%)$880.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,141.75
Initial HOA (3 months)$591.00
Prepaid interest, first (23 days)$331.86
Fees + prepaids$11,113.28
Your down payment is the seller’s equity. You take over the $176,134 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $129,978.78 is due at closing. Uses and sources reconcile at $306,113.28 each. Not a Closing Disclosure.