Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$198,052Cash toward the purchase price.
Closing costs + prepaids$13,554Not just lender fees.
Before credits & paid funds$211,606The complete starting cash picture.
Estimated remaining funds due at closing
$211,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,051.64
Your down payment$198,051.64
Closing costs + prepaids$13,554.49
Total buyer cash needed$211,606.13
Remaining funds due$211,606.13
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%)$1,759.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$513.00
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$25.75
Fees + prepaids$13,554.49
Your down payment is the seller’s equity. You take over the $351,948 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $211,606.13 is due at closing. Uses and sources reconcile at $563,554.49 each. Not a Closing Disclosure.