Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,308Cash toward the purchase price.
Closing costs + prepaids$10,853Not just lender fees.
Before credits & paid funds$34,161The complete starting cash picture.
Estimated remaining funds due at closing
$34,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,308.05
Your down payment$23,308.05
Closing costs + prepaids$10,852.69
Total buyer cash needed$34,160.74
Remaining funds due$34,160.74
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%)$1,233.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$191.50
Initial HOA (3 months)$942.00
Prepaid interest, first (30 days)$567.73
Fees + prepaids$10,852.69
Your down payment is the seller’s equity. You take over the $246,692 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $34,160.74 is due at closing. Uses and sources reconcile at $280,852.69 each. Not a Closing Disclosure.