Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$20,935Cash toward the purchase price.
Closing costs + prepaids$11,617Not just lender fees.
Before credits & paid funds$32,552The complete starting cash picture.
Estimated remaining funds due at closing
$32,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,935.14
Your down payment$20,935.14
Closing costs + prepaids$11,616.79
Total buyer cash needed$32,551.92
Remaining funds due$32,551.92
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%)$2,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,245.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$273.00
Initial HOA (3 months)$987.00
Prepaid interest, first (30 days)$1,193.46
Fees + prepaids$11,616.79
Your down payment is the seller’s equity. You take over the $249,065 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $32,551.92 is due at closing. Uses and sources reconcile at $281,616.79 each. Not a Closing Disclosure.