Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$354,787Cash toward the purchase price.
Closing costs + prepaids$12,829Not just lender fees.
Before credits & paid funds$367,616The complete starting cash picture.
Estimated remaining funds due at closing
$367,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,786.90
Your down payment$354,786.90
Closing costs + prepaids$12,828.81
Total buyer cash needed$367,615.71
Remaining funds due$367,615.71
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$975.57
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 (13 days)$198.75
Fees + prepaids$12,828.81
Your down payment is the seller’s equity. You take over the $195,113 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $367,615.71 is due at closing. Uses and sources reconcile at $562,728.81 each. Not a Closing Disclosure.