Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$214,766Cash toward the purchase price.
Closing costs + prepaids$14,634Not just lender fees.
Before credits & paid funds$229,400The complete starting cash picture.
Estimated remaining funds due at closing
$229,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,765.64
Your down payment$214,765.64
Closing costs + prepaids$14,634.38
Total buyer cash needed$229,400.02
Remaining funds due$229,400.02
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,676.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$288.25
Prepaid interest, first (29 days)$1,701.98
Fees + prepaids$14,634.38
Your down payment is the seller’s equity. You take over the $335,233 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $229,400.02 is due at closing. Uses and sources reconcile at $564,633.38 each. Not a Closing Disclosure.