Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$2,595Cash toward the purchase price.
Closing costs + prepaids$11,849Not just lender fees.
Before credits & paid funds$14,444The complete starting cash picture.
Estimated remaining funds due at closing
$14,444No 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$11,848.99
Total buyer cash needed$14,443.69
Remaining funds due$14,443.69
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 (31 days)$1,555.71
Fees + prepaids$11,848.99
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. $14,443.69 is due at closing. Uses and sources reconcile at $281,848.99 each. Not a Closing Disclosure.