Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$196,170Cash toward the purchase price.
Closing costs + prepaids$14,953Not just lender fees.
Before credits & paid funds$211,123The complete starting cash picture.
Estimated remaining funds due at closing
$211,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,169.94
Your down payment$196,169.94
Closing costs + prepaids$14,953.41
Total buyer cash needed$211,123.35
Remaining funds due$211,123.35
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%)$5,545.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,791.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$970.75
Initial HOA (3 months)$39.99
Prepaid interest, first (24 days)$1,138.02
Fees + prepaids$14,953.41
Your down payment is the seller’s equity. You take over the $358,330 balance, so the rest of the $554,500 price is paid at closing. A second mortgage can cover part of it. $211,123.35 is due at closing. Uses and sources reconcile at $569,453.41 each. Not a Closing Disclosure.