Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$130,822Cash toward the purchase price.
Closing costs + prepaids$9,662Not just lender fees.
Before credits & paid funds$140,484The complete starting cash picture.
Estimated remaining funds due at closing
$140,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,821.86
Your down payment$130,821.86
Closing costs + prepaids$9,661.85
Total buyer cash needed$140,483.71
Remaining funds due$140,483.71
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%)$2,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$690.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$672.50
Prepaid interest, first (27 days)$390.46
Fees + prepaids$9,661.85
Your down payment is the seller’s equity. You take over the $138,178 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $140,483.71 is due at closing. Uses and sources reconcile at $278,661.85 each. Not a Closing Disclosure.