Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,522Cash toward the purchase price.
Closing costs + prepaids$12,721Not just lender fees.
Before credits & paid funds$58,242The complete starting cash picture.
Estimated remaining funds due at closing
$58,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,521.54
Your down payment$45,521.54
Closing costs + prepaids$12,720.76
Total buyer cash needed$58,242.29
Remaining funds due$58,242.29
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%)$2,899.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,222.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,957.00
Prepaid interest, first (31 days)$1,424.11
Fees + prepaids$12,720.76
Your down payment is the seller’s equity. You take over the $244,428 balance, so the rest of the $289,950 price is paid at closing. A second mortgage can cover part of it. $58,242.29 is due at closing. Uses and sources reconcile at $302,670.76 each. Not a Closing Disclosure.