Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$178,118Cash toward the purchase price.
Closing costs + prepaids$14,961Not just lender fees.
Before credits & paid funds$193,079The complete starting cash picture.
Estimated remaining funds due at closing
$193,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,118.07
Your down payment$178,118.07
Closing costs + prepaids$14,960.85
Total buyer cash needed$193,078.91
Remaining funds due$193,078.91
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,854.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$669.00
Initial HOA (3 months)$525.00
Prepaid interest, first (31 days)$954.44
Fees + prepaids$14,960.85
Your down payment is the seller’s equity. You take over the $370,882 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $193,078.91 is due at closing. Uses and sources reconcile at $563,960.85 each. Not a Closing Disclosure.