Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,806Cash toward the purchase price.
Closing costs + prepaids$14,811Not just lender fees.
Before credits & paid funds$201,616The complete starting cash picture.
Estimated remaining funds due at closing
$201,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,805.51
Your down payment$186,805.51
Closing costs + prepaids$14,810.64
Total buyer cash needed$201,616.14
Remaining funds due$201,616.14
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%)$1,765.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$578.50
Prepaid interest, first (26 days)$1,599.66
Fees + prepaids$14,810.64
Your down payment is the seller’s equity. You take over the $353,094 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $201,616.14 is due at closing. Uses and sources reconcile at $554,710.64 each. Not a Closing Disclosure.