Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$371,865Cash toward the purchase price.
Closing costs + prepaids$14,966Not just lender fees.
Before credits & paid funds$386,831The complete starting cash picture.
Estimated remaining funds due at closing
$386,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,865.21
Your down payment$371,865.21
Closing costs + prepaids$14,966.23
Total buyer cash needed$386,831.44
Remaining funds due$386,831.44
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%)$890.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Initial HOA (3 months)$1,245.00
Prepaid interest, first (27 days)$487.55
Fees + prepaids$14,966.23
Your down payment is the seller’s equity. You take over the $178,135 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $386,831.44 is due at closing. Uses and sources reconcile at $564,966.23 each. Not a Closing Disclosure.