Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$200,181Cash toward the purchase price.
Closing costs + prepaids$16,071Not just lender fees.
Before credits & paid funds$216,252The complete starting cash picture.
Estimated remaining funds due at closing
$216,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,180.64
Your down payment$200,180.64
Closing costs + prepaids$16,071.07
Total buyer cash needed$216,251.72
Remaining funds due$216,251.72
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%)$1,744.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,372.50
Initial HOA (3 months)$1,194.00
Prepaid interest, first (27 days)$802.48
Fees + prepaids$16,071.07
Your down payment is the seller’s equity. You take over the $348,819 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $216,251.72 is due at closing. Uses and sources reconcile at $565,071.07 each. Not a Closing Disclosure.