Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$175,742Cash toward the purchase price.
Closing costs + prepaids$8,595Not just lender fees.
Before credits & paid funds$184,337The complete starting cash picture.
Estimated remaining funds due at closing
$184,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,741.98
Your down payment$175,741.98
Closing costs + prepaids$8,595.36
Total buyer cash needed$184,337.34
Remaining funds due$184,337.34
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%)$221.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$184.75
Initial HOA (3 months)$759.00
Prepaid interest, first (2 days)$12.32
Fees + prepaids$8,595.36
Your down payment is the seller’s equity. You take over the $44,258 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $184,337.34 is due at closing. Uses and sources reconcile at $228,595.36 each. Not a Closing Disclosure.