Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$162,782Cash toward the purchase price.
Closing costs + prepaids$9,138Not just lender fees.
Before credits & paid funds$171,920The complete starting cash picture.
Estimated remaining funds due at closing
$171,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,782.11
Your down payment$162,782.11
Closing costs + prepaids$9,137.70
Total buyer cash needed$171,919.80
Remaining funds due$171,919.80
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%)$535.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.00
Prepaid interest, first (17 days)$179.11
Fees + prepaids$9,137.70
Your down payment is the seller’s equity. You take over the $107,118 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $171,919.80 is due at closing. Uses and sources reconcile at $279,037.70 each. Not a Closing Disclosure.