Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$172,557Cash toward the purchase price.
Closing costs + prepaids$9,184Not just lender fees.
Before credits & paid funds$181,741The complete starting cash picture.
Estimated remaining funds due at closing
$181,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,557.41
Your down payment$172,557.41
Closing costs + prepaids$9,183.81
Total buyer cash needed$181,741.22
Remaining funds due$181,741.22
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%)$486.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$602.75
Prepaid interest, first (25 days)$177.35
Fees + prepaids$9,183.81
Your down payment is the seller’s equity. You take over the $97,343 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $181,741.22 is due at closing. Uses and sources reconcile at $279,083.81 each. Not a Closing Disclosure.