Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,283Cash toward the purchase price.
Closing costs + prepaids$12,999Not just lender fees.
Before credits & paid funds$51,283The complete starting cash picture.
Estimated remaining funds due at closing
$51,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,283.35
Your down payment$38,283.35
Closing costs + prepaids$12,999.38
Total buyer cash needed$51,282.74
Remaining funds due$51,282.74
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%)$1,258.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.25
Initial HOA (3 months)$3,171.00
Prepaid interest, first (2 days)$44.55
Fees + prepaids$12,999.38
Your down payment is the seller’s equity. You take over the $251,717 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $51,282.74 is due at closing. Uses and sources reconcile at $302,999.38 each. Not a Closing Disclosure.