Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$158,236Cash toward the purchase price.
Closing costs + prepaids$14,210Not just lender fees.
Before credits & paid funds$172,446The complete starting cash picture.
Estimated remaining funds due at closing
$172,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,235.95
Your down payment$158,235.95
Closing costs + prepaids$14,210.11
Total buyer cash needed$172,446.06
Remaining funds due$172,446.06
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%)$1,958.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$972.25
Initial HOA (3 months)$249.00
Prepaid interest, first (2 days)$62.04
Fees + prepaids$14,210.11
Your down payment is the seller’s equity. You take over the $391,764 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $172,446.06 is due at closing. Uses and sources reconcile at $564,210.11 each. Not a Closing Disclosure.