Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$60,306Cash toward the purchase price.
Closing costs + prepaids$10,612Not just lender fees.
Before credits & paid funds$70,917The complete starting cash picture.
Estimated remaining funds due at closing
$70,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,305.79
Your down payment$60,305.79
Closing costs + prepaids$10,611.53
Total buyer cash needed$70,917.32
Remaining funds due$70,917.32
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%)$1,173.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.00
Initial HOA (3 months)$405.00
Prepaid interest, first (31 days)$578.06
Fees + prepaids$10,611.53
Your down payment is the seller’s equity. You take over the $234,694 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $70,917.32 is due at closing. Uses and sources reconcile at $305,611.53 each. Not a Closing Disclosure.