Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$58,458Cash toward the purchase price.
Closing costs + prepaids$10,933Not just lender fees.
Before credits & paid funds$69,391The complete starting cash picture.
Estimated remaining funds due at closing
$69,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,458.04
Your down payment$58,458.04
Closing costs + prepaids$10,932.77
Total buyer cash needed$69,390.81
Remaining funds due$69,390.81
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%)$1,157.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (6 days)$199.06
Fees + prepaids$10,932.77
Your down payment is the seller’s equity. You take over the $231,542 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $69,390.81 is due at closing. Uses and sources reconcile at $300,932.77 each. Not a Closing Disclosure.