Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$20,107Cash toward the purchase price.
Closing costs + prepaids$10,886Not just lender fees.
Before credits & paid funds$30,992The complete starting cash picture.
Estimated remaining funds due at closing
$30,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,106.53
Your down payment$20,106.53
Closing costs + prepaids$10,885.55
Total buyer cash needed$30,992.08
Remaining funds due$30,992.08
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%)$2,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$999.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,587.75
Prepaid interest, first (25 days)$880.35
Fees + prepaids$10,885.55
Your down payment is the seller’s equity. You take over the $199,892 balance, so the rest of the $219,999 price is paid at closing. A second mortgage can cover part of it. $30,992.08 is due at closing. Uses and sources reconcile at $230,884.55 each. Not a Closing Disclosure.