Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$67,677Cash toward the purchase price.
Closing costs + prepaids$10,921Not just lender fees.
Before credits & paid funds$78,598The complete starting cash picture.
Estimated remaining funds due at closing
$78,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,676.67
Your down payment$67,676.67
Closing costs + prepaids$10,921.27
Total buyer cash needed$78,597.94
Remaining funds due$78,597.94
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,061.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$714.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (5 days)$77.66
Fees + prepaids$10,921.27
Your down payment is the seller’s equity. You take over the $212,323 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $78,597.94 is due at closing. Uses and sources reconcile at $290,921.27 each. Not a Closing Disclosure.