Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,004Cash toward the purchase price.
Closing costs + prepaids$11,787Not just lender fees.
Before credits & paid funds$56,791The complete starting cash picture.
Estimated remaining funds due at closing
$56,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,003.90
Your down payment$45,003.90
Closing costs + prepaids$11,786.69
Total buyer cash needed$56,790.58
Remaining funds due$56,790.58
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,219.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$302.25
Initial HOA (3 months)$2,136.00
Prepaid interest, first (1 days)$20.46
Fees + prepaids$11,786.69
Your down payment is the seller’s equity. You take over the $243,996 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $56,790.58 is due at closing. Uses and sources reconcile at $300,786.69 each. Not a Closing Disclosure.