Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,794Cash toward the purchase price.
Closing costs + prepaids$11,547Not just lender fees.
Before credits & paid funds$36,341The complete starting cash picture.
Estimated remaining funds due at closing
$36,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,793.81
Your down payment$24,793.81
Closing costs + prepaids$11,547.18
Total buyer cash needed$36,340.99
Remaining funds due$36,340.99
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%)$1,326.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$725.00
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$1,328.14
Fees + prepaids$11,547.18
Your down payment is the seller’s equity. You take over the $265,206 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $36,340.99 is due at closing. Uses and sources reconcile at $301,547.18 each. Not a Closing Disclosure.