Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$2,595Cash toward the purchase price.
Closing costs + prepaids$10,811Not just lender fees.
Before credits & paid funds$13,405The complete starting cash picture.
Estimated remaining funds due at closing
$13,405No 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$10,810.69
Total buyer cash needed$13,405.39
Remaining funds due$13,405.39
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)$324.00
Initial HOA (3 months)$780.00
Prepaid interest, first (9 days)$451.66
Fees + prepaids$10,810.69
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. $13,405.39 is due at closing. Uses and sources reconcile at $280,810.69 each. Not a Closing Disclosure.