Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,685Cash toward the purchase price.
Closing costs + prepaids$9,753Not just lender fees.
Before credits & paid funds$155,438The complete starting cash picture.
Estimated remaining funds due at closing
$155,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,684.74
Your down payment$145,684.74
Closing costs + prepaids$9,753.20
Total buyer cash needed$155,437.94
Remaining funds due$155,437.94
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%)$746.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.50
Prepaid interest, first (31 days)$445.12
Fees + prepaids$9,753.20
Your down payment is the seller’s equity. You take over the $149,315 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $155,437.94 is due at closing. Uses and sources reconcile at $304,753.20 each. Not a Closing Disclosure.