Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$86,080Cash toward the purchase price.
Closing costs + prepaids$9,963Not just lender fees.
Before credits & paid funds$96,044The complete starting cash picture.
Estimated remaining funds due at closing
$96,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,080.42
Your down payment$86,080.42
Closing costs + prepaids$9,963.12
Total buyer cash needed$96,043.54
Remaining funds due$96,043.54
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%)$919.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$675.00
Initial HOA (3 months)$72.00
Prepaid interest, first (24 days)$378.52
Fees + prepaids$9,963.12
Your down payment is the seller’s equity. You take over the $183,920 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $96,043.54 is due at closing. Uses and sources reconcile at $279,963.12 each. Not a Closing Disclosure.