Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$76,142Cash toward the purchase price.
Closing costs + prepaids$10,536Not just lender fees.
Before credits & paid funds$86,678The complete starting cash picture.
Estimated remaining funds due at closing
$86,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,142.30
Your down payment$76,142.30
Closing costs + prepaids$10,535.99
Total buyer cash needed$86,678.29
Remaining funds due$86,678.29
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%)$969.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$675.00
Prepaid interest, first (27 days)$973.70
Fees + prepaids$10,535.99
Your down payment is the seller’s equity. You take over the $193,858 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $86,678.29 is due at closing. Uses and sources reconcile at $280,535.99 each. Not a Closing Disclosure.