Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$187,827Cash toward the purchase price.
Closing costs + prepaids$14,177Not just lender fees.
Before credits & paid funds$202,004The complete starting cash picture.
Estimated remaining funds due at closing
$202,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,827.16
Your down payment$187,827.16
Closing costs + prepaids$14,176.82
Total buyer cash needed$202,003.99
Remaining funds due$202,003.99
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%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$408.75
Initial HOA (3 months)$183.00
Prepaid interest, first (25 days)$806.21
Fees + prepaids$14,176.82
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $202,003.99 is due at closing. Uses and sources reconcile at $564,176.82 each. Not a Closing Disclosure.