Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$161,613Cash toward the purchase price.
Closing costs + prepaids$8,878Not just lender fees.
Before credits & paid funds$170,492The complete starting cash picture.
Estimated remaining funds due at closing
$170,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,613.47
Your down payment$161,613.47
Closing costs + prepaids$8,878.22
Total buyer cash needed$170,491.69
Remaining funds due$170,491.69
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%)$2,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$541.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$166.00
Prepaid interest, first (24 days)$252.29
Fees + prepaids$8,878.22
Your down payment is the seller’s equity. You take over the $108,387 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $170,491.69 is due at closing. Uses and sources reconcile at $278,878.22 each. Not a Closing Disclosure.