Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$56,973Cash toward the purchase price.
Closing costs + prepaids$12,238Not just lender fees.
Before credits & paid funds$69,211The complete starting cash picture.
Estimated remaining funds due at closing
$69,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,972.74
Your down payment$56,972.74
Closing costs + prepaids$12,238.12
Total buyer cash needed$69,210.86
Remaining funds due$69,210.86
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%)$2,725.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,077.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.00
Initial HOA (3 months)$2,595.00
Prepaid interest, first (12 days)$295.48
Fees + prepaids$12,238.12
Your down payment is the seller’s equity. You take over the $215,527 balance, so the rest of the $272,500 price is paid at closing. A second mortgage can cover part of it. $69,210.86 is due at closing. Uses and sources reconcile at $284,738.12 each. Not a Closing Disclosure.