Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$209,054Cash toward the purchase price.
Closing costs + prepaids$14,204Not just lender fees.
Before credits & paid funds$223,258The complete starting cash picture.
Estimated remaining funds due at closing
$223,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,054.43
Your down payment$209,054.43
Closing costs + prepaids$14,203.86
Total buyer cash needed$223,258.29
Remaining funds due$223,258.29
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%)$1,699.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.75
Initial HOA (3 months)$282.00
Prepaid interest, first (10 days)$605.38
Fees + prepaids$14,203.86
Your down payment is the seller’s equity. You take over the $339,946 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $223,258.29 is due at closing. Uses and sources reconcile at $563,203.86 each. Not a Closing Disclosure.