Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$119,540Cash toward the purchase price.
Closing costs + prepaids$9,388Not just lender fees.
Before credits & paid funds$128,929The complete starting cash picture.
Estimated remaining funds due at closing
$128,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,540.14
Your down payment$119,540.14
Closing costs + prepaids$9,388.43
Total buyer cash needed$128,928.57
Remaining funds due$128,928.57
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%)$502.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$591.25
Initial HOA (3 months)$510.00
Prepaid interest, first (31 days)$366.88
Fees + prepaids$9,388.43
Your down payment is the seller’s equity. You take over the $100,460 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $128,928.57 is due at closing. Uses and sources reconcile at $229,388.43 each. Not a Closing Disclosure.