Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,595Cash toward the purchase price.
Closing costs + prepaids$11,648Not just lender fees.
Before credits & paid funds$14,243The complete starting cash picture.
Estimated remaining funds due at closing
$14,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,594.70
Your down payment$2,594.70
Closing costs + prepaids$11,648.25
Total buyer cash needed$14,242.96
Remaining funds due$14,242.96
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%)$1,337.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$258.25
Initial HOA (3 months)$780.00
Prepaid interest, first (27 days)$1,354.98
Fees + prepaids$11,648.25
Your down payment is the seller’s equity. You take over the $267,405 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $14,242.96 is due at closing. Uses and sources reconcile at $281,648.25 each. Not a Closing Disclosure.