Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,971Cash toward the purchase price.
Closing costs + prepaids$11,151Not just lender fees.
Before credits & paid funds$85,122The complete starting cash picture.
Estimated remaining funds due at closing
$85,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,971.04
Your down payment$73,971.04
Closing costs + prepaids$11,151.38
Total buyer cash needed$85,122.42
Remaining funds due$85,122.42
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%)$979.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.50
Initial HOA (3 months)$1,296.00
Prepaid interest, first (31 days)$489.23
Fees + prepaids$11,151.38
Your down payment is the seller’s equity. You take over the $195,929 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $85,122.42 is due at closing. Uses and sources reconcile at $281,051.38 each. Not a Closing Disclosure.