Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$215,815Cash toward the purchase price.
Closing costs + prepaids$14,504Not just lender fees.
Before credits & paid funds$230,319The complete starting cash picture.
Estimated remaining funds due at closing
$230,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,815.42
Your down payment$215,815.42
Closing costs + prepaids$14,503.57
Total buyer cash needed$230,318.99
Remaining funds due$230,318.99
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%)$1,670.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,155.75
Initial HOA (3 months)$159.00
Prepaid interest, first (26 days)$549.89
Fees + prepaids$14,503.57
Your down payment is the seller’s equity. You take over the $334,185 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $230,318.99 is due at closing. Uses and sources reconcile at $564,503.57 each. Not a Closing Disclosure.