Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$39,595Cash toward the purchase price.
Closing costs + prepaids$11,040Not just lender fees.
Before credits & paid funds$50,634The complete starting cash picture.
Estimated remaining funds due at closing
$50,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,594.87
Your down payment$39,594.87
Closing costs + prepaids$11,039.54
Total buyer cash needed$50,634.40
Remaining funds due$50,634.40
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%)$1,252.03
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)$1,176.00
Prepaid interest, first (7 days)$145.51
Fees + prepaids$11,039.54
Your down payment is the seller’s equity. You take over the $250,405 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $50,634.40 is due at closing. Uses and sources reconcile at $301,039.54 each. Not a Closing Disclosure.