Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$150,457Cash toward the purchase price.
Closing costs + prepaids$10,254Not just lender fees.
Before credits & paid funds$160,711The complete starting cash picture.
Estimated remaining funds due at closing
$160,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,456.96
Your down payment$150,456.96
Closing costs + prepaids$10,254.20
Total buyer cash needed$160,711.16
Remaining funds due$160,711.16
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%)$2,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$597.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,124.25
Initial HOA (3 months)$83.25
Prepaid interest, first (31 days)$531.00
Fees + prepaids$10,254.20
Your down payment is the seller’s equity. You take over the $119,542 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $160,711.16 is due at closing. Uses and sources reconcile at $280,253.20 each. Not a Closing Disclosure.