Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,253Cash toward the purchase price.
Closing costs + prepaids$9,041Not just lender fees.
Before credits & paid funds$66,294The complete starting cash picture.
Estimated remaining funds due at closing
$66,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,252.58
Your down payment$57,252.58
Closing costs + prepaids$9,041.12
Total buyer cash needed$66,293.71
Remaining funds due$66,293.71
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%)$1,063.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$21.50
Prepaid interest, first (1 days)$37.89
Fees + prepaids$9,041.12
Your down payment is the seller’s equity. You take over the $212,747 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $66,293.71 is due at closing. Uses and sources reconcile at $279,041.12 each. Not a Closing Disclosure.