Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$51,939Cash toward the purchase price.
Closing costs + prepaids$11,411Not just lender fees.
Before credits & paid funds$63,350The complete starting cash picture.
Estimated remaining funds due at closing
$63,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,939.38
Your down payment$51,939.38
Closing costs + prepaids$11,410.74
Total buyer cash needed$63,350.12
Remaining funds due$63,350.12
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%)$2,909.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,194.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.50
Initial HOA (3 months)$765.00
Prepaid interest, first (23 days)$1,025.44
Fees + prepaids$11,410.74
Your down payment is the seller’s equity. You take over the $238,961 balance, so the rest of the $290,900 price is paid at closing. A second mortgage can cover part of it. $63,350.12 is due at closing. Uses and sources reconcile at $302,310.74 each. Not a Closing Disclosure.