Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$331,932Cash toward the purchase price.
Closing costs + prepaids$12,972Not just lender fees.
Before credits & paid funds$344,904The complete starting cash picture.
Estimated remaining funds due at closing
$344,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,932.20
Your down payment$331,932.20
Closing costs + prepaids$12,971.67
Total buyer cash needed$344,903.87
Remaining funds due$344,903.87
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%)$1,090.34
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)$225.83
Fees + prepaids$12,971.67
Your down payment is the seller’s equity. You take over the $218,068 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $344,903.87 is due at closing. Uses and sources reconcile at $562,971.67 each. Not a Closing Disclosure.