Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$43,118Cash toward the purchase price.
Closing costs + prepaids$11,298Not just lender fees.
Before credits & paid funds$54,416The complete starting cash picture.
Estimated remaining funds due at closing
$54,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,117.62
Your down payment$43,117.62
Closing costs + prepaids$11,297.91
Total buyer cash needed$54,415.53
Remaining funds due$54,415.53
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,233.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$812.75
Prepaid interest, first (24 days)$1,134.25
Fees + prepaids$11,297.91
Your down payment is the seller’s equity. You take over the $246,782 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $54,415.53 is due at closing. Uses and sources reconcile at $301,197.91 each. Not a Closing Disclosure.