Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$151,936Cash toward the purchase price.
Closing costs + prepaids$14,759Not just lender fees.
Before credits & paid funds$166,694The complete starting cash picture.
Estimated remaining funds due at closing
$166,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,935.55
Your down payment$151,935.55
Closing costs + prepaids$14,758.80
Total buyer cash needed$166,694.34
Remaining funds due$166,694.34
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%)$1,985.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$837.50
Prepaid interest, first (31 days)$977.98
Fees + prepaids$14,758.80
Your down payment is the seller’s equity. You take over the $397,064 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $166,694.34 is due at closing. Uses and sources reconcile at $563,758.80 each. Not a Closing Disclosure.