Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,543Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$39,724The complete starting cash picture.
Estimated remaining funds due at closing
$39,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,542.78
Your down payment$28,542.78
Closing costs + prepaids$11,181.13
Total buyer cash needed$39,723.91
Remaining funds due$39,723.91
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%)$1,307.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.25
Initial HOA (3 months)$167.01
Prepaid interest, first (25 days)$1,210.58
Fees + prepaids$11,181.13
Your down payment is the seller’s equity. You take over the $261,457 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $39,723.91 is due at closing. Uses and sources reconcile at $301,181.13 each. Not a Closing Disclosure.