Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,349Cash toward the purchase price.
Closing costs + prepaids$9,227Not just lender fees.
Before credits & paid funds$140,576The complete starting cash picture.
Estimated remaining funds due at closing
$140,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,349.12
Your down payment$131,349.12
Closing costs + prepaids$9,226.99
Total buyer cash needed$140,576.12
Remaining funds due$140,576.12
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%)$818.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.50
Prepaid interest, first (1 days)$12.24
Fees + prepaids$9,226.99
Your down payment is the seller’s equity. You take over the $163,651 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $140,576.12 is due at closing. Uses and sources reconcile at $304,226.99 each. Not a Closing Disclosure.