Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,132Cash toward the purchase price.
Closing costs + prepaids$9,252Not just lender fees.
Before credits & paid funds$77,384The complete starting cash picture.
Estimated remaining funds due at closing
$77,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,132.27
Your down payment$68,132.27
Closing costs + prepaids$9,251.53
Total buyer cash needed$77,383.80
Remaining funds due$77,383.80
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%)$1,008.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.50
Prepaid interest, first (1 days)$17.19
Fees + prepaids$9,251.53
Your down payment is the seller’s equity. You take over the $201,768 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $77,383.80 is due at closing. Uses and sources reconcile at $279,151.53 each. Not a Closing Disclosure.