Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$202,804Cash toward the purchase price.
Closing costs + prepaids$14,845Not just lender fees.
Before credits & paid funds$217,649The complete starting cash picture.
Estimated remaining funds due at closing
$217,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,803.70
Your down payment$202,803.70
Closing costs + prepaids$14,845.01
Total buyer cash needed$217,648.71
Remaining funds due$217,648.71
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%)$5,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,720.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,367.50
Prepaid interest, first (28 days)$818.53
Fees + prepaids$14,845.01
Your down payment is the seller’s equity. You take over the $344,196 balance, so the rest of the $547,000 price is paid at closing. A second mortgage can cover part of it. $217,648.71 is due at closing. Uses and sources reconcile at $561,845.01 each. Not a Closing Disclosure.