Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$181,389Cash toward the purchase price.
Closing costs + prepaids$13,978Not just lender fees.
Before credits & paid funds$195,368The complete starting cash picture.
Estimated remaining funds due at closing
$195,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,389.11
Your down payment$181,389.11
Closing costs + prepaids$13,978.46
Total buyer cash needed$195,367.57
Remaining funds due$195,367.57
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%)$1,843.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$687.50
Prepaid interest, first (16 days)$479.90
Fees + prepaids$13,978.46
Your down payment is the seller’s equity. You take over the $368,611 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $195,367.57 is due at closing. Uses and sources reconcile at $563,978.46 each. Not a Closing Disclosure.