Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$41,642Cash toward the purchase price.
Closing costs + prepaids$10,220Not just lender fees.
Before credits & paid funds$51,862The complete starting cash picture.
Estimated remaining funds due at closing
$51,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,642.48
Your down payment$41,642.48
Closing costs + prepaids$10,219.66
Total buyer cash needed$51,862.14
Remaining funds due$51,862.14
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%)$1,141.79
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 (25 days)$484.87
Fees + prepaids$10,219.66
Your down payment is the seller’s equity. You take over the $228,358 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $51,862.14 is due at closing. Uses and sources reconcile at $280,219.66 each. Not a Closing Disclosure.