Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,836Cash toward the purchase price.
Closing costs + prepaids$10,580Not just lender fees.
Before credits & paid funds$68,416The complete starting cash picture.
Estimated remaining funds due at closing
$68,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,836.01
Your down payment$57,836.01
Closing costs + prepaids$10,579.88
Total buyer cash needed$68,415.89
Remaining funds due$68,415.89
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%)$1,160.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$256.00
Prepaid interest, first (31 days)$1,045.06
Fees + prepaids$10,579.88
Your down payment is the seller’s equity. You take over the $232,164 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $68,415.89 is due at closing. Uses and sources reconcile at $300,579.88 each. Not a Closing Disclosure.