Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$144,651Cash toward the purchase price.
Closing costs + prepaids$10,223Not just lender fees.
Before credits & paid funds$154,874The complete starting cash picture.
Estimated remaining funds due at closing
$154,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,650.68
Your down payment$144,650.68
Closing costs + prepaids$10,222.93
Total buyer cash needed$154,873.61
Remaining funds due$154,873.61
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%)$621.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,425.00
Prepaid interest, first (24 days)$268.19
Fees + prepaids$10,222.93
Your down payment is the seller’s equity. You take over the $124,349 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $154,873.61 is due at closing. Uses and sources reconcile at $279,222.93 each. Not a Closing Disclosure.