Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$141,826Cash toward the purchase price.
Closing costs + prepaids$14,902Not just lender fees.
Before credits & paid funds$156,728The complete starting cash picture.
Estimated remaining funds due at closing
$156,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,826.13
Your down payment$141,826.13
Closing costs + prepaids$14,902.02
Total buyer cash needed$156,728.15
Remaining funds due$156,728.15
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,035.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$725.50
Initial HOA (3 months)$182.01
Prepaid interest, first (30 days)$1,000.64
Fees + prepaids$14,902.02
Your down payment is the seller’s equity. You take over the $407,174 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $156,728.15 is due at closing. Uses and sources reconcile at $563,902.02 each. Not a Closing Disclosure.