Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$162,337Cash toward the purchase price.
Closing costs + prepaids$13,843Not just lender fees.
Before credits & paid funds$176,180The complete starting cash picture.
Estimated remaining funds due at closing
$176,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,337.07
Your down payment$162,337.07
Closing costs + prepaids$13,842.94
Total buyer cash needed$176,180.01
Remaining funds due$176,180.01
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%)$1,937.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$52.25
Prepaid interest, first (27 days)$885.87
Fees + prepaids$13,842.94
Your down payment is the seller’s equity. You take over the $387,563 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $176,180.01 is due at closing. Uses and sources reconcile at $563,742.94 each. Not a Closing Disclosure.