Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$148,619Cash toward the purchase price.
Closing costs + prepaids$9,495Not just lender fees.
Before credits & paid funds$158,114The complete starting cash picture.
Estimated remaining funds due at closing
$158,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,618.53
Your down payment$148,618.53
Closing costs + prepaids$9,495.18
Total buyer cash needed$158,113.71
Remaining funds due$158,113.71
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%)$2,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$606.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$689.25
Prepaid interest, first (27 days)$281.04
Fees + prepaids$9,495.18
Your down payment is the seller’s equity. You take over the $121,380 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $158,113.71 is due at closing. Uses and sources reconcile at $279,494.18 each. Not a Closing Disclosure.