Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,691Cash toward the purchase price.
Closing costs + prepaids$10,583Not just lender fees.
Before credits & paid funds$66,273The complete starting cash picture.
Estimated remaining funds due at closing
$66,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,690.55
Your down payment$55,690.55
Closing costs + prepaids$10,582.55
Total buyer cash needed$66,273.10
Remaining funds due$66,273.10
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%)$1,071.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$121.75
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$1,231.25
Fees + prepaids$10,582.55
Your down payment is the seller’s equity. You take over the $214,309 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $66,273.10 is due at closing. Uses and sources reconcile at $280,582.55 each. Not a Closing Disclosure.