Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$216,348Cash toward the purchase price.
Closing costs + prepaids$13,539Not just lender fees.
Before credits & paid funds$229,887The complete starting cash picture.
Estimated remaining funds due at closing
$229,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,347.91
Your down payment$216,347.91
Closing costs + prepaids$13,539.21
Total buyer cash needed$229,887.12
Remaining funds due$229,887.12
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%)$1,663.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.75
Prepaid interest, first (9 days)$259.20
Fees + prepaids$13,539.21
Your down payment is the seller’s equity. You take over the $332,652 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $229,887.12 is due at closing. Uses and sources reconcile at $562,539.21 each. Not a Closing Disclosure.