Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,443Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$51,382The complete starting cash picture.
Estimated remaining funds due at closing
$51,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,443.38
Your down payment$40,443.38
Closing costs + prepaids$10,938.26
Total buyer cash needed$51,381.64
Remaining funds due$51,381.64
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%)$1,247.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,243.00
Initial HOA (3 months)$308.01
Prepaid interest, first (1 days)$21.47
Fees + prepaids$10,938.26
Your down payment is the seller’s equity. You take over the $249,557 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $51,381.64 is due at closing. Uses and sources reconcile at $300,938.26 each. Not a Closing Disclosure.