Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$126,303Cash toward the purchase price.
Closing costs + prepaids$9,266Not just lender fees.
Before credits & paid funds$135,569The complete starting cash picture.
Estimated remaining funds due at closing
$135,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,303.03
Your down payment$126,303.03
Closing costs + prepaids$9,266.27
Total buyer cash needed$135,569.30
Remaining funds due$135,569.30
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%)$713.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$191.50
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$333.29
Fees + prepaids$9,266.27
Your down payment is the seller’s equity. You take over the $142,697 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $135,569.30 is due at closing. Uses and sources reconcile at $278,266.27 each. Not a Closing Disclosure.