Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$210,984Cash toward the purchase price.
Closing costs + prepaids$13,594Not just lender fees.
Before credits & paid funds$224,578The complete starting cash picture.
Estimated remaining funds due at closing
$224,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,983.67
Your down payment$210,983.67
Closing costs + prepaids$13,594.15
Total buyer cash needed$224,577.81
Remaining funds due$224,577.81
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%)$1,695.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$110.01
Prepaid interest, first (6 days)$161.06
Fees + prepaids$13,594.15
Your down payment is the seller’s equity. You take over the $339,016 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $224,577.81 is due at closing. Uses and sources reconcile at $563,594.15 each. Not a Closing Disclosure.