Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$38,338Cash toward the purchase price.
Closing costs + prepaids$10,929Not just lender fees.
Before credits & paid funds$49,267The complete starting cash picture.
Estimated remaining funds due at closing
$49,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,337.95
Your down payment$38,337.95
Closing costs + prepaids$10,929.11
Total buyer cash needed$49,267.05
Remaining funds due$49,267.05
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%)$1,258.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$725.00
Prepaid interest, first (23 days)$827.80
Fees + prepaids$10,929.11
Your down payment is the seller’s equity. You take over the $251,662 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $49,267.05 is due at closing. Uses and sources reconcile at $300,929.11 each. Not a Closing Disclosure.