Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$220,332Cash toward the purchase price.
Closing costs + prepaids$9,235Not just lender fees.
Before credits & paid funds$229,567The complete starting cash picture.
Estimated remaining funds due at closing
$229,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,331.57
Your down payment$220,331.57
Closing costs + prepaids$9,235.46
Total buyer cash needed$229,567.03
Remaining funds due$229,567.03
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$148.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (6 days)$19.12
Fees + prepaids$9,235.46
Your down payment is the seller’s equity. You take over the $29,668 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $229,567.03 is due at closing. Uses and sources reconcile at $259,235.46 each. Not a Closing Disclosure.