Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$201,980Cash toward the purchase price.
Closing costs + prepaids$13,761Not just lender fees.
Before credits & paid funds$215,741The complete starting cash picture.
Estimated remaining funds due at closing
$215,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,980.01
Your down payment$201,980.01
Closing costs + prepaids$13,761.23
Total buyer cash needed$215,741.23
Remaining funds due$215,741.23
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,739.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Prepaid interest, first (12 days)$394.63
Fees + prepaids$13,761.23
Your down payment is the seller’s equity. You take over the $347,920 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $215,741.23 is due at closing. Uses and sources reconcile at $563,661.23 each. Not a Closing Disclosure.