Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$93,577Cash toward the purchase price.
Closing costs + prepaids$10,324Not just lender fees.
Before credits & paid funds$103,901The complete starting cash picture.
Estimated remaining funds due at closing
$103,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,576.66
Your down payment$93,576.66
Closing costs + prepaids$10,324.35
Total buyer cash needed$103,901.02
Remaining funds due$103,901.02
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$881.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (9 days)$121.74
Fees + prepaids$10,324.35
Your down payment is the seller’s equity. You take over the $176,323 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $103,901.02 is due at closing. Uses and sources reconcile at $280,224.35 each. Not a Closing Disclosure.