Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,229Cash toward the purchase price.
Closing costs + prepaids$10,802Not just lender fees.
Before credits & paid funds$29,031The complete starting cash picture.
Estimated remaining funds due at closing
$29,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,228.72
Your down payment$18,228.72
Closing costs + prepaids$10,801.88
Total buyer cash needed$29,030.60
Remaining funds due$29,030.60
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%)$2,225.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,021.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,486.75
Prepaid interest, first (22 days)$850.78
Fees + prepaids$10,801.88
Your down payment is the seller’s equity. You take over the $204,271 balance, so the rest of the $222,500 price is paid at closing. A second mortgage can cover part of it. $29,030.60 is due at closing. Uses and sources reconcile at $233,301.88 each. Not a Closing Disclosure.