Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$116,331Cash toward the purchase price.
Closing costs + prepaids$15,028Not just lender fees.
Before credits & paid funds$131,359The complete starting cash picture.
Estimated remaining funds due at closing
$131,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,330.88
Your down payment$116,330.88
Closing costs + prepaids$15,028.03
Total buyer cash needed$131,358.91
Remaining funds due$131,358.91
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,167.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$856.25
Initial HOA (3 months)$22.50
Prepaid interest, first (28 days)$1,014.43
Fees + prepaids$15,028.03
Your down payment is the seller’s equity. You take over the $433,569 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $131,358.91 is due at closing. Uses and sources reconcile at $564,928.03 each. Not a Closing Disclosure.