Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,033Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$41,509The complete starting cash picture.
Estimated remaining funds due at closing
$41,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,033.07
Your down payment$30,033.07
Closing costs + prepaids$11,475.81
Total buyer cash needed$41,508.88
Remaining funds due$41,508.88
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%)$1,324.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.50
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$1,182.99
Fees + prepaids$11,475.81
Your down payment is the seller’s equity. You take over the $264,967 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $41,508.88 is due at closing. Uses and sources reconcile at $306,475.81 each. Not a Closing Disclosure.