Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$178,118Cash toward the purchase price.
Closing costs + prepaids$14,622Not just lender fees.
Before credits & paid funds$192,740The complete starting cash picture.
Estimated remaining funds due at closing
$192,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,118.07
Your down payment$178,118.07
Closing costs + prepaids$14,622.18
Total buyer cash needed$192,740.24
Remaining funds due$192,740.24
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%)$1,854.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$669.00
Initial HOA (3 months)$525.00
Prepaid interest, first (20 days)$615.77
Fees + prepaids$14,622.18
Your down payment is the seller’s equity. You take over the $370,882 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $192,740.24 is due at closing. Uses and sources reconcile at $563,622.18 each. Not a Closing Disclosure.