Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$229,934Cash toward the purchase price.
Closing costs + prepaids$8,964Not just lender fees.
Before credits & paid funds$238,898The complete starting cash picture.
Estimated remaining funds due at closing
$238,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,933.91
Your down payment$229,933.91
Closing costs + prepaids$8,964.44
Total buyer cash needed$238,898.35
Remaining funds due$238,898.35
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%)$300.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.50
Prepaid interest, first (1 days)$5.61
Fees + prepaids$8,964.44
Your down payment is the seller’s equity. You take over the $60,066 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $238,898.35 is due at closing. Uses and sources reconcile at $298,964.44 each. Not a Closing Disclosure.