Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,226Cash toward the purchase price.
Closing costs + prepaids$9,225Not just lender fees.
Before credits & paid funds$157,451The complete starting cash picture.
Estimated remaining funds due at closing
$157,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,225.75
Your down payment$148,225.75
Closing costs + prepaids$9,225.24
Total buyer cash needed$157,451.00
Remaining funds due$157,451.00
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%)$608.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$674.75
Prepaid interest, first (2 days)$23.62
Fees + prepaids$9,225.24
Your down payment is the seller’s equity. You take over the $121,774 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $157,451.00 is due at closing. Uses and sources reconcile at $279,225.24 each. Not a Closing Disclosure.