Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$148,763Cash toward the purchase price.
Closing costs + prepaids$13,974Not just lender fees.
Before credits & paid funds$162,737The complete starting cash picture.
Estimated remaining funds due at closing
$162,737No 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$13,973.86
Total buyer cash needed$162,736.66
Remaining funds due$162,736.66
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)$660.00
Prepaid interest, first (10 days)$339.68
Fees + prepaids$13,973.86
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. $162,736.66 is due at closing. Uses and sources reconcile at $563,973.86 each. Not a Closing Disclosure.