Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,117Cash toward the purchase price.
Closing costs + prepaids$10,939Not just lender fees.
Before credits & paid funds$47,056The complete starting cash picture.
Estimated remaining funds due at closing
$47,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,117.14
Your down payment$36,117.14
Closing costs + prepaids$10,938.72
Total buyer cash needed$47,055.85
Remaining funds due$47,055.85
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,268.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$238.00
Prepaid interest, first (31 days)$1,314.80
Fees + prepaids$10,938.72
Your down payment is the seller’s equity. You take over the $253,783 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $47,055.85 is due at closing. Uses and sources reconcile at $300,838.72 each. Not a Closing Disclosure.