Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$200,714Cash toward the purchase price.
Closing costs + prepaids$14,580Not just lender fees.
Before credits & paid funds$215,295The complete starting cash picture.
Estimated remaining funds due at closing
$215,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,714.17
Your down payment$200,714.17
Closing costs + prepaids$14,580.43
Total buyer cash needed$215,294.59
Remaining funds due$215,294.59
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%)$1,746.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,464.25
Initial HOA (3 months)$342.99
Prepaid interest, first (2 days)$58.76
Fees + prepaids$14,580.43
Your down payment is the seller’s equity. You take over the $349,286 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $215,294.59 is due at closing. Uses and sources reconcile at $564,580.43 each. Not a Closing Disclosure.