Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$141,012Cash toward the purchase price.
Closing costs + prepaids$8,590Not just lender fees.
Before credits & paid funds$149,601The complete starting cash picture.
Estimated remaining funds due at closing
$149,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,011.52
Your down payment$141,011.52
Closing costs + prepaids$8,589.70
Total buyer cash needed$149,601.22
Remaining funds due$149,601.22
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%)$394.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$264.00
Initial HOA (3 months)$450.00
Prepaid interest, first (10 days)$62.76
Fees + prepaids$8,589.70
Your down payment is the seller’s equity. You take over the $78,988 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $149,601.22 is due at closing. Uses and sources reconcile at $228,589.70 each. Not a Closing Disclosure.