Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$20,219Cash toward the purchase price.
Closing costs + prepaids$10,485Not just lender fees.
Before credits & paid funds$30,704The complete starting cash picture.
Estimated remaining funds due at closing
$30,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,218.74
Your down payment$20,218.74
Closing costs + prepaids$10,484.84
Total buyer cash needed$30,703.59
Remaining funds due$30,703.59
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%)$1,373.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.50
Initial HOA (3 months)$405.00
Prepaid interest, first (2 days)$103.44
Fees + prepaids$10,484.84
Your down payment is the seller’s equity. You take over the $274,781 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $30,703.59 is due at closing. Uses and sources reconcile at $305,484.84 each. Not a Closing Disclosure.