Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$56,969Cash toward the purchase price.
Closing costs + prepaids$10,771Not just lender fees.
Before credits & paid funds$67,740The complete starting cash picture.
Estimated remaining funds due at closing
$67,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,968.76
Your down payment$56,968.76
Closing costs + prepaids$10,771.04
Total buyer cash needed$67,739.80
Remaining funds due$67,739.80
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%)$1,065.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,077.00
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$560.88
Fees + prepaids$10,771.04
Your down payment is the seller’s equity. You take over the $213,031 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $67,739.80 is due at closing. Uses and sources reconcile at $280,771.04 each. Not a Closing Disclosure.