Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$219,921Cash toward the purchase price.
Closing costs + prepaids$8,686Not just lender fees.
Before credits & paid funds$228,607The complete starting cash picture.
Estimated remaining funds due at closing
$228,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,920.86
Your down payment$219,920.86
Closing costs + prepaids$8,685.84
Total buyer cash needed$228,606.71
Remaining funds due$228,606.71
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$275.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$250.50
Prepaid interest, first (30 days)$191.95
Fees + prepaids$8,685.84
Your down payment is the seller’s equity. You take over the $55,079 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $228,606.71 is due at closing. Uses and sources reconcile at $283,685.84 each. Not a Closing Disclosure.