Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$31,941Cash toward the purchase price.
Closing costs + prepaids$10,887Not just lender fees.
Before credits & paid funds$42,829The complete starting cash picture.
Estimated remaining funds due at closing
$42,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,941.28
Your down payment$31,941.28
Closing costs + prepaids$10,887.44
Total buyer cash needed$42,828.71
Remaining funds due$42,828.71
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%)$1,190.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.00
Initial HOA (3 months)$1,236.00
Prepaid interest, first (12 days)$219.14
Fees + prepaids$10,887.44
Your down payment is the seller’s equity. You take over the $238,059 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $42,828.71 is due at closing. Uses and sources reconcile at $280,887.44 each. Not a Closing Disclosure.