Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,580Cash toward the purchase price.
Closing costs + prepaids$9,920Not just lender fees.
Before credits & paid funds$77,500The complete starting cash picture.
Estimated remaining funds due at closing
$77,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,580.44
Your down payment$67,580.44
Closing costs + prepaids$9,919.85
Total buyer cash needed$77,500.28
Remaining funds due$77,500.28
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$786.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$611.25
Initial HOA (3 months)$1,020.00
Prepaid interest, first (2 days)$35.00
Fees + prepaids$9,919.85
Your down payment is the seller’s equity. You take over the $157,320 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $77,500.28 is due at closing. Uses and sources reconcile at $234,819.85 each. Not a Closing Disclosure.