Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,635Cash toward the purchase price.
Closing costs + prepaids$16,507Not just lender fees.
Before credits & paid funds$133,142The complete starting cash picture.
Estimated remaining funds due at closing
$133,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,635.39
Your down payment$116,635.39
Closing costs + prepaids$16,506.61
Total buyer cash needed$133,142.00
Remaining funds due$133,142.00
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%)$2,166.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.75
Initial HOA (3 months)$126.00
Prepaid interest, first (25 days)$1,872.53
Fees + prepaids$16,506.61
Your down payment is the seller’s equity. You take over the $433,265 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $133,142.00 is due at closing. Uses and sources reconcile at $566,406.61 each. Not a Closing Disclosure.