Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$55,440Cash toward the purchase price.
Closing costs + prepaids$11,745Not just lender fees.
Before credits & paid funds$67,185The complete starting cash picture.
Estimated remaining funds due at closing
$67,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,439.66
Your down payment$55,439.66
Closing costs + prepaids$11,745.46
Total buyer cash needed$67,185.12
Remaining funds due$67,185.12
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%)$1,172.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.25
Initial HOA (3 months)$1,497.00
Prepaid interest, first (28 days)$552.41
Fees + prepaids$11,745.46
Your down payment is the seller’s equity. You take over the $234,560 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $67,185.12 is due at closing. Uses and sources reconcile at $301,745.46 each. Not a Closing Disclosure.