Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,258Cash toward the purchase price.
Closing costs + prepaids$11,429Not just lender fees.
Before credits & paid funds$65,687The complete starting cash picture.
Estimated remaining funds due at closing
$65,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,258.17
Your down payment$54,258.17
Closing costs + prepaids$11,429.09
Total buyer cash needed$65,687.26
Remaining funds due$65,687.26
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%)$1,178.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.75
Initial HOA (3 months)$1,230.00
Prepaid interest, first (31 days)$574.63
Fees + prepaids$11,429.09
Your down payment is the seller’s equity. You take over the $235,742 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $65,687.26 is due at closing. Uses and sources reconcile at $301,429.09 each. Not a Closing Disclosure.