Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$15,501Cash toward the purchase price.
Closing costs + prepaids$10,890Not just lender fees.
Before credits & paid funds$26,391The complete starting cash picture.
Estimated remaining funds due at closing
$26,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,500.81
Your down payment$15,500.81
Closing costs + prepaids$10,890.19
Total buyer cash needed$26,391.01
Remaining funds due$26,391.01
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%)$1,272.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.25
Prepaid interest, first (27 days)$1,195.45
Fees + prepaids$10,890.19
Your down payment is the seller’s equity. You take over the $254,499 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $26,391.01 is due at closing. Uses and sources reconcile at $280,890.19 each. Not a Closing Disclosure.