Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$270,100Cash toward the purchase price.
Closing costs + prepaids$13,391Not just lender fees.
Before credits & paid funds$283,491The complete starting cash picture.
Estimated remaining funds due at closing
$283,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,099.52
Your down payment$270,099.52
Closing costs + prepaids$13,391.19
Total buyer cash needed$283,490.70
Remaining funds due$283,490.70
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%)$5,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,287.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$601.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$609.93
Fees + prepaids$13,391.19
Your down payment is the seller’s equity. You take over the $257,400 balance, so the rest of the $527,500 price is paid at closing. A second mortgage can cover part of it. $283,490.70 is due at closing. Uses and sources reconcile at $540,891.19 each. Not a Closing Disclosure.