Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$179,296Cash toward the purchase price.
Closing costs + prepaids$14,363Not just lender fees.
Before credits & paid funds$193,659The complete starting cash picture.
Estimated remaining funds due at closing
$193,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,296.37
Your down payment$179,296.37
Closing costs + prepaids$14,362.57
Total buyer cash needed$193,658.95
Remaining funds due$193,658.95
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%)$1,853.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$821.25
Prepaid interest, first (24 days)$721.31
Fees + prepaids$14,362.57
Your down payment is the seller’s equity. You take over the $370,604 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $193,658.95 is due at closing. Uses and sources reconcile at $564,262.57 each. Not a Closing Disclosure.