Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$337,167Cash toward the purchase price.
Closing costs + prepaids$15,004Not just lender fees.
Before credits & paid funds$352,171The complete starting cash picture.
Estimated remaining funds due at closing
$352,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,167.11
Your down payment$337,167.11
Closing costs + prepaids$15,003.75
Total buyer cash needed$352,170.86
Remaining funds due$352,170.86
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%)$1,064.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Initial HOA (3 months)$888.00
Prepaid interest, first (31 days)$708.59
Fees + prepaids$15,003.75
Your down payment is the seller’s equity. You take over the $212,833 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $352,170.86 is due at closing. Uses and sources reconcile at $565,003.75 each. Not a Closing Disclosure.