Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$53,107Cash toward the purchase price.
Closing costs + prepaids$11,281Not just lender fees.
Before credits & paid funds$64,388The complete starting cash picture.
Estimated remaining funds due at closing
$64,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,106.71
Your down payment$53,106.71
Closing costs + prepaids$11,281.37
Total buyer cash needed$64,388.08
Remaining funds due$64,388.08
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,179.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.75
Initial HOA (3 months)$1,335.00
Prepaid interest, first (7 days)$312.15
Fees + prepaids$11,281.37
Your down payment is the seller’s equity. You take over the $235,893 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $64,388.08 is due at closing. Uses and sources reconcile at $300,281.37 each. Not a Closing Disclosure.