Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$186,058Cash toward the purchase price.
Closing costs + prepaids$13,697Not just lender fees.
Before credits & paid funds$199,754The complete starting cash picture.
Estimated remaining funds due at closing
$199,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,057.82
Your down payment$186,057.82
Closing costs + prepaids$13,696.53
Total buyer cash needed$199,754.35
Remaining funds due$199,754.35
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,769.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$381.00
Prepaid interest, first (30 days)$677.82
Fees + prepaids$13,696.53
Your down payment is the seller’s equity. You take over the $353,942 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $199,754.35 is due at closing. Uses and sources reconcile at $553,696.53 each. Not a Closing Disclosure.