Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$353,175Cash toward the purchase price.
Closing costs + prepaids$14,344Not just lender fees.
Before credits & paid funds$367,519The complete starting cash picture.
Estimated remaining funds due at closing
$367,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,174.86
Your down payment$353,174.86
Closing costs + prepaids$14,344.31
Total buyer cash needed$367,519.16
Remaining funds due$367,519.16
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$979.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,421.25
Initial HOA (3 months)$420.99
Prepaid interest, first (27 days)$564.94
Fees + prepaids$14,344.31
Your down payment is the seller’s equity. You take over the $195,825 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $367,519.16 is due at closing. Uses and sources reconcile at $563,344.31 each. Not a Closing Disclosure.