Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$152,325Cash toward the purchase price.
Closing costs + prepaids$8,965Not just lender fees.
Before credits & paid funds$161,290The complete starting cash picture.
Estimated remaining funds due at closing
$161,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,325.35
Your down payment$152,325.35
Closing costs + prepaids$8,965.07
Total buyer cash needed$161,290.42
Remaining funds due$161,290.42
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%)$583.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$252.75
Prepaid interest, first (24 days)$220.95
Fees + prepaids$8,965.07
Your down payment is the seller’s equity. You take over the $116,675 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $161,290.42 is due at closing. Uses and sources reconcile at $277,965.07 each. Not a Closing Disclosure.