Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$18,269Cash toward the purchase price.
Closing costs + prepaids$10,901Not just lender fees.
Before credits & paid funds$29,170The complete starting cash picture.
Estimated remaining funds due at closing
$29,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,269.15
Your down payment$18,269.15
Closing costs + prepaids$10,900.56
Total buyer cash needed$29,169.71
Remaining funds due$29,169.71
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%)$1,008.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,621.00
Prepaid interest, first (24 days)$852.91
Fees + prepaids$10,900.56
Your down payment is the seller’s equity. You take over the $201,731 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $29,169.71 is due at closing. Uses and sources reconcile at $230,900.56 each. Not a Closing Disclosure.