Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$159,176Cash toward the purchase price.
Closing costs + prepaids$14,886Not just lender fees.
Before credits & paid funds$174,062The complete starting cash picture.
Estimated remaining funds due at closing
$174,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,175.64
Your down payment$159,175.64
Closing costs + prepaids$14,886.05
Total buyer cash needed$174,061.68
Remaining funds due$174,061.68
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%)$1,954.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$972.25
Initial HOA (3 months)$249.00
Prepaid interest, first (24 days)$742.67
Fees + prepaids$14,886.05
Your down payment is the seller’s equity. You take over the $390,824 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $174,061.68 is due at closing. Uses and sources reconcile at $564,886.05 each. Not a Closing Disclosure.