Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,720Cash toward the purchase price.
Closing costs + prepaids$10,596Not just lender fees.
Before credits & paid funds$41,316The complete starting cash picture.
Estimated remaining funds due at closing
$41,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,720.08
Your down payment$30,720.08
Closing costs + prepaids$10,595.62
Total buyer cash needed$41,315.70
Remaining funds due$41,315.70
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%)$2,199.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$946.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,265.50
Prepaid interest, first (26 days)$966.47
Fees + prepaids$10,595.62
Your down payment is the seller’s equity. You take over the $189,230 balance, so the rest of the $219,950 price is paid at closing. A second mortgage can cover part of it. $41,315.70 is due at closing. Uses and sources reconcile at $230,545.62 each. Not a Closing Disclosure.