Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$354,113Cash toward the purchase price.
Closing costs + prepaids$12,821Not just lender fees.
Before credits & paid funds$366,935The complete starting cash picture.
Estimated remaining funds due at closing
$366,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,113.45
Your down payment$354,113.45
Closing costs + prepaids$12,821.29
Total buyer cash needed$366,934.74
Remaining funds due$366,934.74
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%)$954.43
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 (17 days)$267.61
Fees + prepaids$12,821.29
Your down payment is the seller’s equity. You take over the $190,887 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $366,934.74 is due at closing. Uses and sources reconcile at $557,821.29 each. Not a Closing Disclosure.