Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,413Cash toward the purchase price.
Closing costs + prepaids$10,169Not just lender fees.
Before credits & paid funds$48,582The complete starting cash picture.
Estimated remaining funds due at closing
$48,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,412.50
Your down payment$38,412.50
Closing costs + prepaids$10,169.36
Total buyer cash needed$48,581.87
Remaining funds due$48,581.87
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%)$1,257.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$193.75
Prepaid interest, first (30 days)$599.67
Fees + prepaids$10,169.36
Your down payment is the seller’s equity. You take over the $251,587 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $48,581.87 is due at closing. Uses and sources reconcile at $300,169.36 each. Not a Closing Disclosure.