Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$227,881Cash toward the purchase price.
Closing costs + prepaids$13,949Not just lender fees.
Before credits & paid funds$241,830The complete starting cash picture.
Estimated remaining funds due at closing
$241,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,880.54
Your down payment$227,880.54
Closing costs + prepaids$13,949.27
Total buyer cash needed$241,829.80
Remaining funds due$241,829.80
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,610.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$584.50
Prepaid interest, first (31 days)$787.67
Fees + prepaids$13,949.27
Your down payment is the seller’s equity. You take over the $322,019 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $241,829.80 is due at closing. Uses and sources reconcile at $563,849.27 each. Not a Closing Disclosure.