Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,314Cash toward the purchase price.
Closing costs + prepaids$10,026Not just lender fees.
Before credits & paid funds$33,341The complete starting cash picture.
Estimated remaining funds due at closing
$33,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,314.11
Your down payment$23,314.11
Closing costs + prepaids$10,026.47
Total buyer cash needed$33,340.58
Remaining funds due$33,340.58
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%)$983.43
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 (30 days)$1,075.04
Fees + prepaids$10,026.47
Your down payment is the seller’s equity. You take over the $196,686 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $33,340.58 is due at closing. Uses and sources reconcile at $230,026.47 each. Not a Closing Disclosure.