Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,128Cash toward the purchase price.
Closing costs + prepaids$10,558Not just lender fees.
Before credits & paid funds$37,686The complete starting cash picture.
Estimated remaining funds due at closing
$37,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,127.64
Your down payment$27,127.64
Closing costs + prepaids$10,558.08
Total buyer cash needed$37,685.73
Remaining funds due$37,685.73
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,213.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$10.50
Initial HOA (3 months)$18.75
Prepaid interest, first (31 days)$1,397.97
Fees + prepaids$10,558.08
Your down payment is the seller’s equity. You take over the $242,772 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $37,685.73 is due at closing. Uses and sources reconcile at $280,458.08 each. Not a Closing Disclosure.