Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,088Cash toward the purchase price.
Closing costs + prepaids$10,889Not just lender fees.
Before credits & paid funds$46,977The complete starting cash picture.
Estimated remaining funds due at closing
$46,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,088.20
Your down payment$36,088.20
Closing costs + prepaids$10,888.90
Total buyer cash needed$46,977.09
Remaining funds due$46,977.09
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%)$1,269.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$15.50
Prepaid interest, first (31 days)$1,485.84
Fees + prepaids$10,888.90
Your down payment is the seller’s equity. You take over the $253,912 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $46,977.09 is due at closing. Uses and sources reconcile at $300,888.90 each. Not a Closing Disclosure.