Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$166,653Cash toward the purchase price.
Closing costs + prepaids$14,474Not just lender fees.
Before credits & paid funds$181,127The complete starting cash picture.
Estimated remaining funds due at closing
$181,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,653.35
Your down payment$166,653.35
Closing costs + prepaids$14,474.13
Total buyer cash needed$181,127.48
Remaining funds due$181,127.48
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%)$1,916.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$833.00
Prepaid interest, first (26 days)$756.40
Fees + prepaids$14,474.13
Your down payment is the seller’s equity. You take over the $383,347 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $181,127.48 is due at closing. Uses and sources reconcile at $564,474.13 each. Not a Closing Disclosure.