Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,308Cash toward the purchase price.
Closing costs + prepaids$9,733Not just lender fees.
Before credits & paid funds$48,041The complete starting cash picture.
Estimated remaining funds due at closing
$48,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,307.97
Your down payment$38,307.97
Closing costs + prepaids$9,732.65
Total buyer cash needed$48,040.63
Remaining funds due$48,040.63
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%)$2,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.00
Prepaid interest, first (25 days)$856.19
Fees + prepaids$9,732.65
Your down payment is the seller’s equity. You take over the $181,692 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $48,040.63 is due at closing. Uses and sources reconcile at $229,732.65 each. Not a Closing Disclosure.