Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$45,237Cash toward the purchase price.
Closing costs + prepaids$9,638Not just lender fees.
Before credits & paid funds$54,875The complete starting cash picture.
Estimated remaining funds due at closing
$54,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,236.61
Your down payment$45,236.61
Closing costs + prepaids$9,638.25
Total buyer cash needed$54,874.87
Remaining funds due$54,874.87
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%)$2,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$549.75
Prepaid interest, first (24 days)$798.19
Fees + prepaids$9,638.25
Your down payment is the seller’s equity. You take over the $174,663 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $54,874.87 is due at closing. Uses and sources reconcile at $229,538.25 each. Not a Closing Disclosure.