Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$130,892Cash toward the purchase price.
Closing costs + prepaids$8,734Not just lender fees.
Before credits & paid funds$139,625The complete starting cash picture.
Estimated remaining funds due at closing
$139,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,891.69
Your down payment$130,891.69
Closing costs + prepaids$8,733.67
Total buyer cash needed$139,625.36
Remaining funds due$139,625.36
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%)$445.54
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 (31 days)$320.13
Fees + prepaids$8,733.67
Your down payment is the seller’s equity. You take over the $89,108 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $139,625.36 is due at closing. Uses and sources reconcile at $228,733.67 each. Not a Closing Disclosure.