Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$85,354Cash toward the purchase price.
Closing costs + prepaids$11,414Not just lender fees.
Before credits & paid funds$96,768The complete starting cash picture.
Estimated remaining funds due at closing
$96,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,354.23
Your down payment$85,354.23
Closing costs + prepaids$11,414.01
Total buyer cash needed$96,768.24
Remaining funds due$96,768.24
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%)$918.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$736.00
Initial HOA (3 months)$1,398.00
Prepaid interest, first (29 days)$453.78
Fees + prepaids$11,414.01
Your down payment is the seller’s equity. You take over the $183,646 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $96,768.24 is due at closing. Uses and sources reconcile at $280,414.01 each. Not a Closing Disclosure.