Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,390Cash toward the purchase price.
Closing costs + prepaids$11,246Not just lender fees.
Before credits & paid funds$43,635The complete starting cash picture.
Estimated remaining funds due at closing
$43,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,389.57
Your down payment$32,389.57
Closing costs + prepaids$11,245.55
Total buyer cash needed$43,635.12
Remaining funds due$43,635.12
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%)$1,188.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,176.75
Prepaid interest, first (23 days)$962.75
Fees + prepaids$11,245.55
Your down payment is the seller’s equity. You take over the $237,610 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $43,635.12 is due at closing. Uses and sources reconcile at $281,245.55 each. Not a Closing Disclosure.