Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,848Cash toward the purchase price.
Closing costs + prepaids$9,582Not just lender fees.
Before credits & paid funds$58,430The complete starting cash picture.
Estimated remaining funds due at closing
$58,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,848.19
Your down payment$48,848.19
Closing costs + prepaids$9,581.60
Total buyer cash needed$58,429.79
Remaining funds due$58,429.79
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%)$1,205.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$212.25
Prepaid interest, first (1 days)$45.59
Fees + prepaids$9,581.60
Your down payment is the seller’s equity. You take over the $241,152 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $58,429.79 is due at closing. Uses and sources reconcile at $299,581.60 each. Not a Closing Disclosure.