Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$189,396Cash toward the purchase price.
Closing costs + prepaids$14,361Not just lender fees.
Before credits & paid funds$203,758The complete starting cash picture.
Estimated remaining funds due at closing
$203,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,396.45
Your down payment$189,396.45
Closing costs + prepaids$14,361.30
Total buyer cash needed$203,757.75
Remaining funds due$203,757.75
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,753.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$675.00
Initial HOA (3 months)$210.00
Prepaid interest, first (14 days)$855.28
Fees + prepaids$14,361.30
Your down payment is the seller’s equity. You take over the $350,604 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $203,757.75 is due at closing. Uses and sources reconcile at $554,361.30 each. Not a Closing Disclosure.