Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$195,004Cash toward the purchase price.
Closing costs + prepaids$14,518Not just lender fees.
Before credits & paid funds$209,521The complete starting cash picture.
Estimated remaining funds due at closing
$209,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,003.65
Your down payment$195,003.65
Closing costs + prepaids$14,517.66
Total buyer cash needed$209,521.30
Remaining funds due$209,521.30
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,799.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,014.25
Initial HOA (3 months)$47.49
Prepaid interest, first (22 days)$637.93
Fees + prepaids$14,517.66
Your down payment is the seller’s equity. You take over the $359,996 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $209,521.30 is due at closing. Uses and sources reconcile at $569,517.66 each. Not a Closing Disclosure.