Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$214,985Cash toward the purchase price.
Closing costs + prepaids$9,647Not just lender fees.
Before credits & paid funds$224,632The complete starting cash picture.
Estimated remaining funds due at closing
$224,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,984.63
Your down payment$214,984.63
Closing costs + prepaids$9,647.02
Total buyer cash needed$224,631.65
Remaining funds due$224,631.65
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%)$270.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,274.25
Prepaid interest, first (22 days)$194.69
Fees + prepaids$9,647.02
Your down payment is the seller’s equity. You take over the $54,015 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $224,631.65 is due at closing. Uses and sources reconcile at $278,647.02 each. Not a Closing Disclosure.