Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$45,999Cash toward the purchase price.
Closing costs + prepaids$9,617Not just lender fees.
Before credits & paid funds$55,616The complete starting cash picture.
Estimated remaining funds due at closing
$55,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,999.02
Your down payment$45,999.02
Closing costs + prepaids$9,616.88
Total buyer cash needed$55,615.90
Remaining funds due$55,615.90
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%)$1,120.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$213.50
Initial HOA (3 months)$6.24
Prepaid interest, first (19 days)$359.14
Fees + prepaids$9,616.88
Your down payment is the seller’s equity. You take over the $224,001 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $55,615.90 is due at closing. Uses and sources reconcile at $279,616.88 each. Not a Closing Disclosure.