Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$291,834Cash toward the purchase price.
Closing costs + prepaids$14,268Not just lender fees.
Before credits & paid funds$306,103The complete starting cash picture.
Estimated remaining funds due at closing
$306,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,834.48
Your down payment$291,834.48
Closing costs + prepaids$14,268.28
Total buyer cash needed$306,102.76
Remaining funds due$306,102.76
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%)$1,290.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Prepaid interest, first (26 days)$634.45
Fees + prepaids$14,268.28
Your down payment is the seller’s equity. You take over the $258,166 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $306,102.76 is due at closing. Uses and sources reconcile at $564,268.28 each. Not a Closing Disclosure.