Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$220,083Cash toward the purchase price.
Closing costs + prepaids$8,769Not just lender fees.
Before credits & paid funds$228,852The complete starting cash picture.
Estimated remaining funds due at closing
$228,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,082.70
Your down payment$220,082.70
Closing costs + prepaids$8,769.47
Total buyer cash needed$228,852.16
Remaining funds due$228,852.16
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%)$249.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.25
Initial HOA (3 months)$189.00
Prepaid interest, first (19 days)$82.63
Fees + prepaids$8,769.47
Your down payment is the seller’s equity. You take over the $49,917 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $228,852.16 is due at closing. Uses and sources reconcile at $278,769.47 each. Not a Closing Disclosure.