Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$132,216Cash toward the purchase price.
Closing costs + prepaids$9,684Not just lender fees.
Before credits & paid funds$141,900The complete starting cash picture.
Estimated remaining funds due at closing
$141,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,215.85
Your down payment$132,215.85
Closing costs + prepaids$9,683.95
Total buyer cash needed$141,899.79
Remaining funds due$141,899.79
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%)$688.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$675.00
Prepaid interest, first (30 days)$402.03
Fees + prepaids$9,683.95
Your down payment is the seller’s equity. You take over the $137,784 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $141,899.79 is due at closing. Uses and sources reconcile at $279,683.95 each. Not a Closing Disclosure.