Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$123,998Cash toward the purchase price.
Closing costs + prepaids$10,361Not just lender fees.
Before credits & paid funds$134,359The complete starting cash picture.
Estimated remaining funds due at closing
$134,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,998.15
Your down payment$123,998.15
Closing costs + prepaids$10,361.10
Total buyer cash needed$134,359.25
Remaining funds due$134,359.25
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%)$730.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,701.25
Prepaid interest, first (1 days)$11.84
Fees + prepaids$10,361.10
Your down payment is the seller’s equity. You take over the $146,002 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $134,359.25 is due at closing. Uses and sources reconcile at $280,361.10 each. Not a Closing Disclosure.