Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$56,429Cash toward the purchase price.
Closing costs + prepaids$10,200Not just lender fees.
Before credits & paid funds$66,630The complete starting cash picture.
Estimated remaining funds due at closing
$66,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,429.25
Your down payment$56,429.25
Closing costs + prepaids$10,200.45
Total buyer cash needed$66,629.69
Remaining funds due$66,629.69
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%)$1,192.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$320.75
Prepaid interest, first (27 days)$518.84
Fees + prepaids$10,200.45
Your down payment is the seller’s equity. You take over the $238,571 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $66,629.69 is due at closing. Uses and sources reconcile at $305,200.45 each. Not a Closing Disclosure.