Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$111,305Cash toward the purchase price.
Closing costs + prepaids$9,654Not just lender fees.
Before credits & paid funds$120,959The complete starting cash picture.
Estimated remaining funds due at closing
$120,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,304.73
Your down payment$111,304.73
Closing costs + prepaids$9,653.86
Total buyer cash needed$120,958.59
Remaining funds due$120,958.59
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%)$792.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$567.25
Prepaid interest, first (22 days)$376.63
Fees + prepaids$9,653.86
Your down payment is the seller’s equity. You take over the $158,595 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $120,958.59 is due at closing. Uses and sources reconcile at $279,553.86 each. Not a Closing Disclosure.