Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$29,104Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$41,059The complete starting cash picture.
Estimated remaining funds due at closing
$41,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,103.89
Your down payment$29,103.89
Closing costs + prepaids$11,954.69
Total buyer cash needed$41,058.59
Remaining funds due$41,058.59
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%)$1,329.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.75
Initial HOA (3 months)$1,185.00
Prepaid interest, first (18 days)$903.46
Fees + prepaids$11,954.69
Your down payment is the seller’s equity. You take over the $265,896 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $41,058.59 is due at closing. Uses and sources reconcile at $306,954.69 each. Not a Closing Disclosure.