Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$27,271Cash toward the purchase price.
Closing costs + prepaids$10,617Not just lender fees.
Before credits & paid funds$37,887The complete starting cash picture.
Estimated remaining funds due at closing
$37,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,270.55
Your down payment$27,270.55
Closing costs + prepaids$10,616.80
Total buyer cash needed$37,887.35
Remaining funds due$37,887.35
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,138.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (6 days)$129.15
Fees + prepaids$10,616.80
Your down payment is the seller’s equity. You take over the $227,729 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $37,887.35 is due at closing. Uses and sources reconcile at $265,616.80 each. Not a Closing Disclosure.