Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,811Cash toward the purchase price.
Closing costs + prepaids$10,892Not just lender fees.
Before credits & paid funds$47,703The complete starting cash picture.
Estimated remaining funds due at closing
$47,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,810.58
Your down payment$36,810.58
Closing costs + prepaids$10,892.15
Total buyer cash needed$47,702.73
Remaining funds due$47,702.73
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%)$1,265.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$61.00
Prepaid interest, first (31 days)$1,447.20
Fees + prepaids$10,892.15
Your down payment is the seller’s equity. You take over the $253,189 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $47,702.73 is due at closing. Uses and sources reconcile at $300,892.15 each. Not a Closing Disclosure.