Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$43,219Cash toward the purchase price.
Closing costs + prepaids$10,373Not just lender fees.
Before credits & paid funds$53,592The complete starting cash picture.
Estimated remaining funds due at closing
$53,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,218.52
Your down payment$43,218.52
Closing costs + prepaids$10,373.21
Total buyer cash needed$53,591.73
Remaining funds due$53,591.73
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%)$1,233.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.50
Prepaid interest, first (16 days)$658.81
Fees + prepaids$10,373.21
Your down payment is the seller’s equity. You take over the $246,781 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $53,591.73 is due at closing. Uses and sources reconcile at $300,373.21 each. Not a Closing Disclosure.