Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,626Cash toward the purchase price.
Closing costs + prepaids$8,631Not just lender fees.
Before credits & paid funds$116,257The complete starting cash picture.
Estimated remaining funds due at closing
$116,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,625.91
Your down payment$107,625.91
Closing costs + prepaids$8,630.80
Total buyer cash needed$116,256.72
Remaining funds due$116,256.72
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%)$561.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$442.75
Prepaid interest, first (23 days)$208.18
Fees + prepaids$8,630.80
Your down payment is the seller’s equity. You take over the $112,374 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $116,256.72 is due at closing. Uses and sources reconcile at $228,630.80 each. Not a Closing Disclosure.