Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,567Cash toward the purchase price.
Closing costs + prepaids$9,695Not just lender fees.
Before credits & paid funds$78,263The complete starting cash picture.
Estimated remaining funds due at closing
$78,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,567.26
Your down payment$68,567.26
Closing costs + prepaids$9,695.34
Total buyer cash needed$78,262.60
Remaining funds due$78,262.60
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,006.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.50
Prepaid interest, first (27 days)$463.18
Fees + prepaids$9,695.34
Your down payment is the seller’s equity. You take over the $201,333 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $78,262.60 is due at closing. Uses and sources reconcile at $279,595.34 each. Not a Closing Disclosure.