Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,244Cash toward the purchase price.
Closing costs + prepaids$11,006Not just lender fees.
Before credits & paid funds$42,250The complete starting cash picture.
Estimated remaining funds due at closing
$42,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,244.42
Your down payment$31,244.42
Closing costs + prepaids$11,006.02
Total buyer cash needed$42,250.44
Remaining funds due$42,250.44
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%)$1,293.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.25
Prepaid interest, first (24 days)$1,076.99
Fees + prepaids$11,006.02
Your down payment is the seller’s equity. You take over the $258,756 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $42,250.44 is due at closing. Uses and sources reconcile at $301,006.02 each. Not a Closing Disclosure.