Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$147,449Cash toward the purchase price.
Closing costs + prepaids$9,372Not just lender fees.
Before credits & paid funds$156,822The complete starting cash picture.
Estimated remaining funds due at closing
$156,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,449.18
Your down payment$147,449.18
Closing costs + prepaids$9,372.36
Total buyer cash needed$156,821.55
Remaining funds due$156,821.55
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%)$737.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.50
Initial HOA (3 months)$44.01
Prepaid interest, first (2 days)$32.10
Fees + prepaids$9,372.36
Your down payment is the seller’s equity. You take over the $147,551 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $156,821.55 is due at closing. Uses and sources reconcile at $304,372.36 each. Not a Closing Disclosure.