Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,319Cash toward the purchase price.
Closing costs + prepaids$9,960Not just lender fees.
Before credits & paid funds$40,280The complete starting cash picture.
Estimated remaining funds due at closing
$40,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,319.42
Your down payment$30,319.42
Closing costs + prepaids$9,960.15
Total buyer cash needed$40,279.57
Remaining funds due$40,279.57
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%)$948.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$715.50
Prepaid interest, first (26 days)$878.25
Fees + prepaids$9,960.15
Your down payment is the seller’s equity. You take over the $189,681 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $40,279.57 is due at closing. Uses and sources reconcile at $229,960.15 each. Not a Closing Disclosure.