Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$69,881Cash toward the purchase price.
Closing costs + prepaids$10,104Not just lender fees.
Before credits & paid funds$79,984The complete starting cash picture.
Estimated remaining funds due at closing
$79,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,880.74
Your down payment$69,880.74
Closing costs + prepaids$10,103.70
Total buyer cash needed$79,984.44
Remaining funds due$79,984.44
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%)$1,000.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$253.50
Prepaid interest, first (24 days)$931.62
Fees + prepaids$10,103.70
Your down payment is the seller’s equity. You take over the $200,118 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $79,984.44 is due at closing. Uses and sources reconcile at $280,102.70 each. Not a Closing Disclosure.