Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$220,581Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$231,323The complete starting cash picture.
Estimated remaining funds due at closing
$231,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,580.99
Your down payment$220,580.99
Closing costs + prepaids$10,741.67
Total buyer cash needed$231,322.66
Remaining funds due$231,322.66
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$696.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$646.75
Initial HOA (3 months)$141.00
Prepaid interest, first (28 days)$440.32
Fees + prepaids$10,741.67
Your down payment is the seller’s equity. You take over the $139,319 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $231,322.66 is due at closing. Uses and sources reconcile at $370,641.67 each. Not a Closing Disclosure.