Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$152,812Cash toward the purchase price.
Closing costs + prepaids$14,678Not just lender fees.
Before credits & paid funds$167,490The complete starting cash picture.
Estimated remaining funds due at closing
$167,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,812.29
Your down payment$152,812.29
Closing costs + prepaids$14,678.02
Total buyer cash needed$167,490.31
Remaining funds due$167,490.31
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,010.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$693.75
Prepaid interest, first (17 days)$955.33
Fees + prepaids$14,678.02
Your down payment is the seller’s equity. You take over the $402,188 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $167,490.31 is due at closing. Uses and sources reconcile at $569,678.02 each. Not a Closing Disclosure.