Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$169,253Cash toward the purchase price.
Closing costs + prepaids$14,508Not just lender fees.
Before credits & paid funds$183,761The complete starting cash picture.
Estimated remaining funds due at closing
$183,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,253.38
Your down payment$169,253.38
Closing costs + prepaids$14,507.94
Total buyer cash needed$183,761.32
Remaining funds due$183,761.32
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,878.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$681.25
Prepaid interest, first (15 days)$1,029.96
Fees + prepaids$14,507.94
Your down payment is the seller’s equity. You take over the $375,747 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $183,761.32 is due at closing. Uses and sources reconcile at $559,507.94 each. Not a Closing Disclosure.