Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$183,840Cash toward the purchase price.
Closing costs + prepaids$14,591Not just lender fees.
Before credits & paid funds$198,431The complete starting cash picture.
Estimated remaining funds due at closing
$198,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,839.98
Your down payment$183,839.98
Closing costs + prepaids$14,590.71
Total buyer cash needed$198,430.69
Remaining funds due$198,430.69
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%)$1,830.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,080.75
Prepaid interest, first (22 days)$712.66
Fees + prepaids$14,590.71
Your down payment is the seller’s equity. You take over the $366,060 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $198,430.69 is due at closing. Uses and sources reconcile at $564,490.71 each. Not a Closing Disclosure.