Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$70,047Cash toward the purchase price.
Closing costs + prepaids$9,992Not just lender fees.
Before credits & paid funds$80,039The complete starting cash picture.
Estimated remaining funds due at closing
$80,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,046.92
Your down payment$70,046.92
Closing costs + prepaids$9,992.11
Total buyer cash needed$80,039.03
Remaining funds due$80,039.03
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%)$994.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$283.50
Prepaid interest, first (22 days)$805.84
Fees + prepaids$9,992.11
Your down payment is the seller’s equity. You take over the $198,953 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $80,039.03 is due at closing. Uses and sources reconcile at $278,992.11 each. Not a Closing Disclosure.