Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$221,071Cash toward the purchase price.
Closing costs + prepaids$14,200Not just lender fees.
Before credits & paid funds$235,271The complete starting cash picture.
Estimated remaining funds due at closing
$235,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,071.29
Your down payment$221,071.29
Closing costs + prepaids$14,199.76
Total buyer cash needed$235,271.05
Remaining funds due$235,271.05
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,644.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$883.75
Prepaid interest, first (24 days)$704.86
Fees + prepaids$14,199.76
Your down payment is the seller’s equity. You take over the $328,829 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $235,271.05 is due at closing. Uses and sources reconcile at $564,099.76 each. Not a Closing Disclosure.