Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$187,668Cash toward the purchase price.
Closing costs + prepaids$14,936Not just lender fees.
Before credits & paid funds$202,604The complete starting cash picture.
Estimated remaining funds due at closing
$202,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,668.49
Your down payment$187,668.49
Closing costs + prepaids$14,935.90
Total buyer cash needed$202,604.39
Remaining funds due$202,604.39
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%)$1,811.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,086.75
Prepaid interest, first (2 days)$69.49
Fees + prepaids$14,935.90
Your down payment is the seller’s equity. You take over the $362,332 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $202,604.39 is due at closing. Uses and sources reconcile at $564,935.90 each. Not a Closing Disclosure.