Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$197,706Cash toward the purchase price.
Closing costs + prepaids$14,925Not just lender fees.
Before credits & paid funds$212,631The complete starting cash picture.
Estimated remaining funds due at closing
$212,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,706.07
Your down payment$197,706.07
Closing costs + prepaids$14,924.79
Total buyer cash needed$212,630.85
Remaining funds due$212,630.85
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,736.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Prepaid interest, first (29 days)$907.82
Fees + prepaids$14,924.79
Your down payment is the seller’s equity. You take over the $347,294 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $212,630.85 is due at closing. Uses and sources reconcile at $559,924.79 each. Not a Closing Disclosure.