Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,536Cash toward the purchase price.
Closing costs + prepaids$9,857Not just lender fees.
Before credits & paid funds$50,393The complete starting cash picture.
Estimated remaining funds due at closing
$50,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,536.45
Your down payment$40,536.45
Closing costs + prepaids$9,856.94
Total buyer cash needed$50,393.39
Remaining funds due$50,393.39
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%)$1,242.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$398.25
Initial HOA (3 months)$87.00
Prepaid interest, first (1 days)$21.37
Fees + prepaids$9,856.94
Your down payment is the seller’s equity. You take over the $248,464 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $50,393.39 is due at closing. Uses and sources reconcile at $298,856.94 each. Not a Closing Disclosure.