Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$77,822Cash toward the purchase price.
Closing costs + prepaids$10,098Not just lender fees.
Before credits & paid funds$87,920The complete starting cash picture.
Estimated remaining funds due at closing
$87,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,821.77
Your down payment$77,821.77
Closing costs + prepaids$10,097.89
Total buyer cash needed$87,919.66
Remaining funds due$87,919.66
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%)$960.89
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 (28 days)$544.00
Fees + prepaids$10,097.89
Your down payment is the seller’s equity. You take over the $192,178 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $87,919.66 is due at closing. Uses and sources reconcile at $280,097.89 each. Not a Closing Disclosure.