Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$148,763Cash toward the purchase price.
Closing costs + prepaids$14,263Not just lender fees.
Before credits & paid funds$163,025The complete starting cash picture.
Estimated remaining funds due at closing
$163,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,762.80
Your down payment$148,762.80
Closing costs + prepaids$14,262.57
Total buyer cash needed$163,025.37
Remaining funds due$163,025.37
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%)$2,006.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$371.25
Prepaid interest, first (27 days)$917.13
Fees + prepaids$14,262.57
Your down payment is the seller’s equity. You take over the $401,237 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $163,025.37 is due at closing. Uses and sources reconcile at $564,262.57 each. Not a Closing Disclosure.