Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$49,108Cash toward the purchase price.
Closing costs + prepaids$10,582Not just lender fees.
Before credits & paid funds$59,690The complete starting cash picture.
Estimated remaining funds due at closing
$59,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,108.07
Your down payment$49,108.07
Closing costs + prepaids$10,582.09
Total buyer cash needed$59,690.16
Remaining funds due$59,690.16
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%)$1,204.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$212.25
Prepaid interest, first (23 days)$1,047.38
Fees + prepaids$10,582.09
Your down payment is the seller’s equity. You take over the $240,892 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $59,690.16 is due at closing. Uses and sources reconcile at $300,582.09 each. Not a Closing Disclosure.