Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$142,727Cash toward the purchase price.
Closing costs + prepaids$15,536Not just lender fees.
Before credits & paid funds$158,263The complete starting cash picture.
Estimated remaining funds due at closing
$158,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,727.34
Your down payment$142,727.34
Closing costs + prepaids$15,535.51
Total buyer cash needed$158,262.85
Remaining funds due$158,262.85
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%)$2,031.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,259.75
Initial HOA (3 months)$1,133.01
Prepaid interest, first (2 days)$153.38
Fees + prepaids$15,535.51
Your down payment is the seller’s equity. You take over the $406,273 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $158,262.85 is due at closing. Uses and sources reconcile at $564,535.51 each. Not a Closing Disclosure.