Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$86,772Cash toward the purchase price.
Closing costs + prepaids$10,469Not just lender fees.
Before credits & paid funds$97,241The complete starting cash picture.
Estimated remaining funds due at closing
$97,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,772.09
Your down payment$86,772.09
Closing costs + prepaids$10,468.64
Total buyer cash needed$97,240.73
Remaining funds due$97,240.73
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%)$911.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$755.75
Initial HOA (3 months)$50.01
Prepaid interest, first (26 days)$843.74
Fees + prepaids$10,468.64
Your down payment is the seller’s equity. You take over the $182,228 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $97,240.73 is due at closing. Uses and sources reconcile at $279,468.64 each. Not a Closing Disclosure.