Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$119,867Cash toward the purchase price.
Closing costs + prepaids$8,486Not just lender fees.
Before credits & paid funds$128,352The complete starting cash picture.
Estimated remaining funds due at closing
$128,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,866.58
Your down payment$119,866.58
Closing costs + prepaids$8,485.84
Total buyer cash needed$128,352.42
Remaining funds due$128,352.42
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%)$500.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.00
Prepaid interest, first (2 days)$17.17
Fees + prepaids$8,485.84
Your down payment is the seller’s equity. You take over the $100,133 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $128,352.42 is due at closing. Uses and sources reconcile at $228,485.84 each. Not a Closing Disclosure.