Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,280Cash toward the purchase price.
Closing costs + prepaids$9,523Not just lender fees.
Before credits & paid funds$37,803The complete starting cash picture.
Estimated remaining funds due at closing
$37,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,279.57
Your down payment$28,279.57
Closing costs + prepaids$9,523.30
Total buyer cash needed$37,802.87
Remaining funds due$37,802.87
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%)$1,208.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.75
Prepaid interest, first (2 days)$87.95
Fees + prepaids$9,523.30
Your down payment is the seller’s equity. You take over the $241,720 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $37,802.87 is due at closing. Uses and sources reconcile at $279,523.30 each. Not a Closing Disclosure.