Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$143,964Cash toward the purchase price.
Closing costs + prepaids$9,040Not just lender fees.
Before credits & paid funds$153,004The complete starting cash picture.
Estimated remaining funds due at closing
$153,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,963.63
Your down payment$143,963.63
Closing costs + prepaids$9,040.47
Total buyer cash needed$153,004.10
Remaining funds due$153,004.10
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%)$625.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.00
Prepaid interest, first (28 days)$275.29
Fees + prepaids$9,040.47
Your down payment is the seller’s equity. You take over the $125,036 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $153,004.10 is due at closing. Uses and sources reconcile at $278,040.47 each. Not a Closing Disclosure.