Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$27,940Cash toward the purchase price.
Closing costs + prepaids$11,165Not just lender fees.
Before credits & paid funds$39,105The complete starting cash picture.
Estimated remaining funds due at closing
$39,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,939.98
Your down payment$27,939.98
Closing costs + prepaids$11,165.30
Total buyer cash needed$39,105.28
Remaining funds due$39,105.28
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,209.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$675.50
Prepaid interest, first (29 days)$1,363.00
Fees + prepaids$11,165.30
Your down payment is the seller’s equity. You take over the $241,960 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $39,105.28 is due at closing. Uses and sources reconcile at $281,065.30 each. Not a Closing Disclosure.