Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$74,370Cash toward the purchase price.
Closing costs + prepaids$9,621Not just lender fees.
Before credits & paid funds$83,992The complete starting cash picture.
Estimated remaining funds due at closing
$83,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,370.34
Your down payment$74,370.34
Closing costs + prepaids$9,621.48
Total buyer cash needed$83,991.82
Remaining funds due$83,991.82
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%)$978.15
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)$240.00
Prepaid interest, first (10 days)$161.33
Fees + prepaids$9,621.48
Your down payment is the seller’s equity. You take over the $195,630 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $83,991.82 is due at closing. Uses and sources reconcile at $279,621.48 each. Not a Closing Disclosure.