Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$126,539Cash toward the purchase price.
Closing costs + prepaids$10,799Not just lender fees.
Before credits & paid funds$137,338The complete starting cash picture.
Estimated remaining funds due at closing
$137,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,539.02
Your down payment$126,539.02
Closing costs + prepaids$10,799.00
Total buyer cash needed$137,338.02
Remaining funds due$137,338.02
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%)$842.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.00
Initial HOA (3 months)$1,131.00
Prepaid interest, first (10 days)$303.69
Fees + prepaids$10,799.00
Your down payment is the seller’s equity. You take over the $168,461 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $137,338.02 is due at closing. Uses and sources reconcile at $305,799.00 each. Not a Closing Disclosure.