Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,970Cash toward the purchase price.
Closing costs + prepaids$10,357Not just lender fees.
Before credits & paid funds$72,327The complete starting cash picture.
Estimated remaining funds due at closing
$72,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,969.60
Your down payment$61,969.60
Closing costs + prepaids$10,357.21
Total buyer cash needed$72,326.80
Remaining funds due$72,326.80
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%)$1,165.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$209.00
Initial HOA (3 months)$765.00
Prepaid interest, first (2 days)$50.05
Fees + prepaids$10,357.21
Your down payment is the seller’s equity. You take over the $233,030 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $72,326.80 is due at closing. Uses and sources reconcile at $305,357.21 each. Not a Closing Disclosure.