Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$9,018Cash toward the purchase price.
Closing costs + prepaids$10,053Not just lender fees.
Before credits & paid funds$19,071The complete starting cash picture.
Estimated remaining funds due at closing
$19,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,018.25
Your down payment$9,018.25
Closing costs + prepaids$10,052.96
Total buyer cash needed$19,071.21
Remaining funds due$19,071.21
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%)$1,054.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,503.75
Prepaid interest, first (2 days)$76.30
Fees + prepaids$10,052.96
Your down payment is the seller’s equity. You take over the $210,982 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $19,071.21 is due at closing. Uses and sources reconcile at $230,052.96 each. Not a Closing Disclosure.