Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$162,555Cash toward the purchase price.
Closing costs + prepaids$9,069Not just lender fees.
Before credits & paid funds$171,624The complete starting cash picture.
Estimated remaining funds due at closing
$171,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,554.85
Your down payment$162,554.85
Closing costs + prepaids$9,068.71
Total buyer cash needed$171,623.56
Remaining funds due$171,623.56
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%)$536.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.50
Prepaid interest, first (25 days)$237.48
Fees + prepaids$9,068.71
Your down payment is the seller’s equity. You take over the $107,345 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $171,623.56 is due at closing. Uses and sources reconcile at $278,968.71 each. Not a Closing Disclosure.