Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$114,024Cash toward the purchase price.
Closing costs + prepaids$15,690Not just lender fees.
Before credits & paid funds$129,714The complete starting cash picture.
Estimated remaining funds due at closing
$129,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,023.97
Your down payment$114,023.97
Closing costs + prepaids$15,690.28
Total buyer cash needed$129,714.25
Remaining funds due$129,714.25
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%)$2,179.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$505.00
Initial HOA (3 months)$417.00
Prepaid interest, first (21 days)$1,620.40
Fees + prepaids$15,690.28
Your down payment is the seller’s equity. You take over the $435,976 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $129,714.25 is due at closing. Uses and sources reconcile at $565,690.28 each. Not a Closing Disclosure.