Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$270,914Cash toward the purchase price.
Closing costs + prepaids$27,088Not just lender fees.
Before credits & paid funds$298,002The complete starting cash picture.
Estimated remaining funds due at closing
$298,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,913.74
Your down payment$270,913.74
Closing costs + prepaids$27,088.19
Total buyer cash needed$298,001.93
Remaining funds due$298,001.93
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%)$11,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,390.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$536.50
Initial HOA (3 months)$249.99
Prepaid interest, first (26 days)$4,203.27
Fees + prepaids$27,088.19
Your down payment is the seller’s equity. You take over the $878,086 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $298,001.93 is due at closing. Uses and sources reconcile at $1,176,088.19 each. Not a Closing Disclosure.