Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$145,357Cash toward the purchase price.
Closing costs + prepaids$14,243Not just lender fees.
Before credits & paid funds$159,599The complete starting cash picture.
Estimated remaining funds due at closing
$159,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,356.64
Your down payment$145,356.64
Closing costs + prepaids$14,242.70
Total buyer cash needed$159,599.34
Remaining funds due$159,599.34
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%)$2,022.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$513.50
Prepaid interest, first (24 days)$739.48
Fees + prepaids$14,242.70
Your down payment is the seller’s equity. You take over the $404,543 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $159,599.34 is due at closing. Uses and sources reconcile at $564,142.70 each. Not a Closing Disclosure.