Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$184,351Cash toward the purchase price.
Closing costs + prepaids$14,966Not just lender fees.
Before credits & paid funds$199,318The complete starting cash picture.
Estimated remaining funds due at closing
$199,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,351.41
Your down payment$184,351.41
Closing costs + prepaids$14,966.18
Total buyer cash needed$199,317.60
Remaining funds due$199,317.60
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%)$1,828.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$577.75
Initial HOA (3 months)$189.00
Prepaid interest, first (23 days)$1,403.19
Fees + prepaids$14,966.18
Your down payment is the seller’s equity. You take over the $365,649 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $199,317.60 is due at closing. Uses and sources reconcile at $564,966.18 each. Not a Closing Disclosure.