Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$149,906Cash toward the purchase price.
Closing costs + prepaids$9,515Not just lender fees.
Before credits & paid funds$159,421The complete starting cash picture.
Estimated remaining funds due at closing
$159,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,905.90
Your down payment$149,905.90
Closing costs + prepaids$9,514.72
Total buyer cash needed$159,420.62
Remaining funds due$159,420.62
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%)$599.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$674.75
Prepaid interest, first (25 days)$323.00
Fees + prepaids$9,514.72
Your down payment is the seller’s equity. You take over the $119,994 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $159,420.62 is due at closing. Uses and sources reconcile at $279,414.72 each. Not a Closing Disclosure.