Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$99,299Cash toward the purchase price.
Closing costs + prepaids$10,646Not just lender fees.
Before credits & paid funds$109,945The complete starting cash picture.
Estimated remaining funds due at closing
$109,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,299.13
Your down payment$99,299.13
Closing costs + prepaids$10,645.63
Total buyer cash needed$109,944.76
Remaining funds due$109,944.76
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%)$848.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,581.25
Prepaid interest, first (22 days)$307.88
Fees + prepaids$10,645.63
Your down payment is the seller’s equity. You take over the $169,701 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $109,944.76 is due at closing. Uses and sources reconcile at $279,645.63 each. Not a Closing Disclosure.