Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$220,426Cash toward the purchase price.
Closing costs + prepaids$8,540Not just lender fees.
Before credits & paid funds$228,966The complete starting cash picture.
Estimated remaining funds due at closing
$228,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,425.90
Your down payment$220,425.90
Closing costs + prepaids$8,540.15
Total buyer cash needed$228,966.05
Remaining funds due$228,966.05
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$22.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$224.50
Initial HOA (3 months)$804.00
Prepaid interest, first (23 days)$20.78
Fees + prepaids$8,540.15
Your down payment is the seller’s equity. You take over the $4,574 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $228,966.05 is due at closing. Uses and sources reconcile at $233,540.15 each. Not a Closing Disclosure.