Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$77,474Cash toward the purchase price.
Closing costs + prepaids$8,937Not just lender fees.
Before credits & paid funds$86,412The complete starting cash picture.
Estimated remaining funds due at closing
$86,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,474.49
Your down payment$77,474.49
Closing costs + prepaids$8,937.49
Total buyer cash needed$86,411.98
Remaining funds due$86,411.98
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%)$712.63
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 (22 days)$256.86
Fees + prepaids$8,937.49
Your down payment is the seller’s equity. You take over the $142,526 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $86,411.98 is due at closing. Uses and sources reconcile at $228,937.49 each. Not a Closing Disclosure.