Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$8,778Cash toward the purchase price.
Closing costs + prepaids$8,869Not just lender fees.
Before credits & paid funds$17,647The complete starting cash picture.
Estimated remaining funds due at closing
$17,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,778.22
Your down payment$8,778.22
Closing costs + prepaids$8,868.75
Total buyer cash needed$17,646.97
Remaining funds due$17,646.97
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%)$2,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,066.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.50
Prepaid interest, first (6 days)$98.14
Fees + prepaids$8,868.75
Your down payment is the seller’s equity. You take over the $213,222 balance, so the rest of the $222,000 price is paid at closing. A second mortgage can cover part of it. $17,646.97 is due at closing. Uses and sources reconcile at $230,868.75 each. Not a Closing Disclosure.