Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$162,689Cash toward the purchase price.
Closing costs + prepaids$14,834Not just lender fees.
Before credits & paid funds$177,523The complete starting cash picture.
Estimated remaining funds due at closing
$177,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,689.48
Your down payment$162,689.48
Closing costs + prepaids$14,833.70
Total buyer cash needed$177,523.18
Remaining funds due$177,523.18
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%)$1,961.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.00
Initial HOA (3 months)$600.00
Prepaid interest, first (9 days)$588.14
Fees + prepaids$14,833.70
Your down payment is the seller’s equity. You take over the $392,311 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $177,523.18 is due at closing. Uses and sources reconcile at $569,833.70 each. Not a Closing Disclosure.