Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$187,711Cash toward the purchase price.
Closing costs + prepaids$15,646Not just lender fees.
Before credits & paid funds$203,357The complete starting cash picture.
Estimated remaining funds due at closing
$203,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,711.16
Your down payment$187,711.16
Closing costs + prepaids$15,646.06
Total buyer cash needed$203,357.22
Remaining funds due$203,357.22
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,811.44
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)$1,491.63
Fees + prepaids$15,646.06
Your down payment is the seller’s equity. You take over the $362,288 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $203,357.22 is due at closing. Uses and sources reconcile at $565,645.06 each. Not a Closing Disclosure.