Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$195,273Cash toward the purchase price.
Closing costs + prepaids$16,274Not just lender fees.
Before credits & paid funds$211,546The complete starting cash picture.
Estimated remaining funds due at closing
$211,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,272.63
Your down payment$195,272.63
Closing costs + prepaids$16,273.76
Total buyer cash needed$211,546.39
Remaining funds due$211,546.39
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,773.63
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)$1,485.00
Prepaid interest, first (26 days)$672.13
Fees + prepaids$16,273.76
Your down payment is the seller’s equity. You take over the $354,726 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $211,546.39 is due at closing. Uses and sources reconcile at $566,272.76 each. Not a Closing Disclosure.