Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$222,537Cash toward the purchase price.
Closing costs + prepaids$13,756Not just lender fees.
Before credits & paid funds$236,294The complete starting cash picture.
Estimated remaining funds due at closing
$236,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,537.42
Your down payment$222,537.42
Closing costs + prepaids$13,756.27
Total buyer cash needed$236,293.69
Remaining funds due$236,293.69
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,637.31
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 (14 days)$463.47
Fees + prepaids$13,756.27
Your down payment is the seller’s equity. You take over the $327,462 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $236,293.69 is due at closing. Uses and sources reconcile at $563,755.27 each. Not a Closing Disclosure.