Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$63,927Cash toward the purchase price.
Closing costs + prepaids$9,758Not just lender fees.
Before credits & paid funds$73,685The complete starting cash picture.
Estimated remaining funds due at closing
$73,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,927.27
Your down payment$63,927.27
Closing costs + prepaids$9,758.05
Total buyer cash needed$73,685.33
Remaining funds due$73,685.33
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%)$2,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,030.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.75
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$38.96
Fees + prepaids$9,758.05
Your down payment is the seller’s equity. You take over the $206,072 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $73,685.33 is due at closing. Uses and sources reconcile at $279,757.05 each. Not a Closing Disclosure.