Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,051Cash toward the purchase price.
Closing costs + prepaids$9,203Not just lender fees.
Before credits & paid funds$51,254The complete starting cash picture.
Estimated remaining funds due at closing
$51,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,051.05
Your down payment$42,051.05
Closing costs + prepaids$9,202.85
Total buyer cash needed$51,253.90
Remaining funds due$51,253.90
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%)$889.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$410.50
Prepaid interest, first (28 days)$484.61
Fees + prepaids$9,202.85
Your down payment is the seller’s equity. You take over the $177,949 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $51,253.90 is due at closing. Uses and sources reconcile at $229,202.85 each. Not a Closing Disclosure.