Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$143,806Cash toward the purchase price.
Closing costs + prepaids$9,446Not just lender fees.
Before credits & paid funds$153,252The complete starting cash picture.
Estimated remaining funds due at closing
$153,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,806.20
Your down payment$143,806.20
Closing costs + prepaids$9,445.85
Total buyer cash needed$153,252.05
Remaining funds due$153,252.05
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%)$625.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$685.50
Prepaid interest, first (22 days)$226.38
Fees + prepaids$9,445.85
Your down payment is the seller’s equity. You take over the $125,194 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $153,252.05 is due at closing. Uses and sources reconcile at $278,445.85 each. Not a Closing Disclosure.