Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,678Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$62,153The complete starting cash picture.
Estimated remaining funds due at closing
$62,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,677.57
Your down payment$51,677.57
Closing costs + prepaids$10,475.88
Total buyer cash needed$62,153.45
Remaining funds due$62,153.45
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%)$2,909.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,196.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.50
Initial HOA (3 months)$765.00
Prepaid interest, first (2 days)$89.27
Fees + prepaids$10,475.88
Your down payment is the seller’s equity. You take over the $239,222 balance, so the rest of the $290,900 price is paid at closing. A second mortgage can cover part of it. $62,153.45 is due at closing. Uses and sources reconcile at $301,375.88 each. Not a Closing Disclosure.