Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$139,055Cash toward the purchase price.
Closing costs + prepaids$14,639Not just lender fees.
Before credits & paid funds$153,694The complete starting cash picture.
Estimated remaining funds due at closing
$153,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,055.02
Your down payment$139,055.02
Closing costs + prepaids$14,639.42
Total buyer cash needed$153,694.44
Remaining funds due$153,694.44
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%)$2,054.72
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)$180.00
Prepaid interest, first (2 days)$61.70
Fees + prepaids$14,639.42
Your down payment is the seller’s equity. You take over the $410,945 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $153,694.44 is due at closing. Uses and sources reconcile at $564,639.42 each. Not a Closing Disclosure.