Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,253Cash toward the purchase price.
Closing costs + prepaids$10,837Not just lender fees.
Before credits & paid funds$66,089The complete starting cash picture.
Estimated remaining funds due at closing
$66,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,252.53
Your down payment$55,252.53
Closing costs + prepaids$10,836.63
Total buyer cash needed$66,089.15
Remaining funds due$66,089.15
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%)$1,198.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$269.25
Prepaid interest, first (27 days)$1,200.64
Fees + prepaids$10,836.63
Your down payment is the seller’s equity. You take over the $239,747 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $66,089.15 is due at closing. Uses and sources reconcile at $305,836.63 each. Not a Closing Disclosure.