Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,306Cash toward the purchase price.
Closing costs + prepaids$12,239Not just lender fees.
Before credits & paid funds$49,545The complete starting cash picture.
Estimated remaining funds due at closing
$49,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,306.02
Your down payment$37,306.02
Closing costs + prepaids$12,238.70
Total buyer cash needed$49,544.72
Remaining funds due$49,544.72
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%)$1,288.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,303.00
Prepaid interest, first (27 days)$1,479.23
Fees + prepaids$12,238.70
Your down payment is the seller’s equity. You take over the $257,694 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $49,544.72 is due at closing. Uses and sources reconcile at $307,238.70 each. Not a Closing Disclosure.