Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$166,653Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$180,373The complete starting cash picture.
Estimated remaining funds due at closing
$180,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,653.35
Your down payment$166,653.35
Closing costs + prepaids$13,719.29
Total buyer cash needed$180,372.64
Remaining funds due$180,372.64
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%)$1,916.73
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 (6 days)$174.55
Fees + prepaids$13,719.29
Your down payment is the seller’s equity. You take over the $383,347 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $180,372.64 is due at closing. Uses and sources reconcile at $563,719.29 each. Not a Closing Disclosure.