Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$42,404Cash toward the purchase price.
Closing costs + prepaids$11,206Not just lender fees.
Before credits & paid funds$53,611The complete starting cash picture.
Estimated remaining funds due at closing
$53,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,404.32
Your down payment$42,404.32
Closing costs + prepaids$11,206.39
Total buyer cash needed$53,610.71
Remaining funds due$53,610.71
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%)$1,237.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$360.75
Initial HOA (3 months)$780.00
Prepaid interest, first (19 days)$711.16
Fees + prepaids$11,206.39
Your down payment is the seller’s equity. You take over the $247,496 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $53,610.71 is due at closing. Uses and sources reconcile at $301,106.39 each. Not a Closing Disclosure.