Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$107,626Cash toward the purchase price.
Closing costs + prepaids$8,373Not just lender fees.
Before credits & paid funds$115,998The complete starting cash picture.
Estimated remaining funds due at closing
$115,998No 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$8,372.54
Total buyer cash needed$115,998.45
Remaining funds due$115,998.45
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)$275.00
Prepaid interest, first (13 days)$117.67
Fees + prepaids$8,372.54
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. $115,998.45 is due at closing. Uses and sources reconcile at $228,372.54 each. Not a Closing Disclosure.