Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$183,838Cash toward the purchase price.
Closing costs + prepaids$14,382Not just lender fees.
Before credits & paid funds$198,220The complete starting cash picture.
Estimated remaining funds due at closing
$198,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,838.08
Your down payment$183,838.08
Closing costs + prepaids$14,382.04
Total buyer cash needed$198,220.13
Remaining funds due$198,220.13
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,780.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.25
Prepaid interest, first (28 days)$1,032.48
Fees + prepaids$14,382.04
Your down payment is the seller’s equity. You take over the $356,062 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $198,220.13 is due at closing. Uses and sources reconcile at $554,282.04 each. Not a Closing Disclosure.