Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$270,430Cash toward the purchase price.
Closing costs + prepaids$15,910Not just lender fees.
Before credits & paid funds$286,341The complete starting cash picture.
Estimated remaining funds due at closing
$286,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,430.47
Your down payment$270,430.47
Closing costs + prepaids$15,910.03
Total buyer cash needed$286,340.50
Remaining funds due$286,340.50
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%)$6,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,782.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$677.75
Initial HOA (3 months)$630.00
Prepaid interest, first (30 days)$1,081.43
Fees + prepaids$15,910.03
Your down payment is the seller’s equity. You take over the $356,570 balance, so the rest of the $627,000 price is paid at closing. A second mortgage can cover part of it. $286,340.50 is due at closing. Uses and sources reconcile at $642,910.03 each. Not a Closing Disclosure.