Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,752Cash toward the purchase price.
Closing costs + prepaids$8,876Not just lender fees.
Before credits & paid funds$50,628The complete starting cash picture.
Estimated remaining funds due at closing
$50,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,752.04
Your down payment$41,752.04
Closing costs + prepaids$8,876.09
Total buyer cash needed$50,628.13
Remaining funds due$50,628.13
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%)$891.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.00
Prepaid interest, first (1 days)$16.85
Fees + prepaids$8,876.09
Your down payment is the seller’s equity. You take over the $178,248 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $50,628.13 is due at closing. Uses and sources reconcile at $228,876.09 each. Not a Closing Disclosure.