Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$138,136Cash toward the purchase price.
Closing costs + prepaids$14,661Not just lender fees.
Before credits & paid funds$152,797The complete starting cash picture.
Estimated remaining funds due at closing
$152,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,135.76
Your down payment$138,135.76
Closing costs + prepaids$14,660.81
Total buyer cash needed$152,796.56
Remaining funds due$152,796.56
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$603.50
Initial HOA (3 months)$360.00
Prepaid interest, first (25 days)$669.98
Fees + prepaids$14,660.81
Your down payment is the seller’s equity. You take over the $411,864 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $152,796.56 is due at closing. Uses and sources reconcile at $564,660.81 each. Not a Closing Disclosure.