Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,999Cash toward the purchase price.
Closing costs + prepaids$10,068Not just lender fees.
Before credits & paid funds$56,067The complete starting cash picture.
Estimated remaining funds due at closing
$56,067No 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$10,067.95
Total buyer cash needed$56,066.96
Remaining funds due$56,066.96
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%)$1,120.00
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)$324.99
Prepaid interest, first (26 days)$491.45
Fees + prepaids$10,067.95
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. $56,066.96 is due at closing. Uses and sources reconcile at $280,067.95 each. Not a Closing Disclosure.