Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,548Cash toward the purchase price.
Closing costs + prepaids$11,313Not just lender fees.
Before credits & paid funds$34,861The complete starting cash picture.
Estimated remaining funds due at closing
$34,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,547.62
Your down payment$23,547.62
Closing costs + prepaids$11,313.07
Total buyer cash needed$34,860.69
Remaining funds due$34,860.69
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%)$1,332.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.75
Initial HOA (3 months)$840.00
Prepaid interest, first (28 days)$560.06
Fees + prepaids$11,313.07
Your down payment is the seller’s equity. You take over the $266,452 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $34,860.69 is due at closing. Uses and sources reconcile at $301,313.07 each. Not a Closing Disclosure.