Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$141,546Cash toward the purchase price.
Closing costs + prepaids$9,255Not just lender fees.
Before credits & paid funds$150,801The complete starting cash picture.
Estimated remaining funds due at closing
$150,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,546.17
Your down payment$141,546.17
Closing costs + prepaids$9,255.20
Total buyer cash needed$150,801.37
Remaining funds due$150,801.37
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%)$642.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.00
Prepaid interest, first (31 days)$322.93
Fees + prepaids$9,255.20
Your down payment is the seller’s equity. You take over the $128,454 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $150,801.37 is due at closing. Uses and sources reconcile at $279,255.20 each. Not a Closing Disclosure.