Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$39,595Cash toward the purchase price.
Closing costs + prepaids$11,143Not just lender fees.
Before credits & paid funds$50,738The complete starting cash picture.
Estimated remaining funds due at closing
$50,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,594.87
Your down payment$39,594.87
Closing costs + prepaids$11,143.47
Total buyer cash needed$50,738.34
Remaining funds due$50,738.34
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,252.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.00
Initial HOA (3 months)$1,176.00
Prepaid interest, first (12 days)$249.44
Fees + prepaids$11,143.47
Your down payment is the seller’s equity. You take over the $250,405 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $50,738.34 is due at closing. Uses and sources reconcile at $301,143.47 each. Not a Closing Disclosure.