Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$73,685Cash toward the purchase price.
Closing costs + prepaids$9,426Not just lender fees.
Before credits & paid funds$83,111The complete starting cash picture.
Estimated remaining funds due at closing
$83,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,685.24
Your down payment$73,685.24
Closing costs + prepaids$9,426.05
Total buyer cash needed$83,111.29
Remaining funds due$83,111.29
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%)$731.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$212.75
Initial HOA (3 months)$708.00
Prepaid interest, first (29 days)$355.73
Fees + prepaids$9,426.05
Your down payment is the seller’s equity. You take over the $146,315 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $83,111.29 is due at closing. Uses and sources reconcile at $229,426.05 each. Not a Closing Disclosure.