Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$147,885Cash toward the purchase price.
Closing costs + prepaids$13,384Not just lender fees.
Before credits & paid funds$161,269The complete starting cash picture.
Estimated remaining funds due at closing
$161,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,885.14
Your down payment$147,885.14
Closing costs + prepaids$13,383.87
Total buyer cash needed$161,269.00
Remaining funds due$161,269.00
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%)$2,010.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$371.25
Prepaid interest, first (1 days)$34.04
Fees + prepaids$13,383.87
Your down payment is the seller’s equity. You take over the $402,115 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $161,269.00 is due at closing. Uses and sources reconcile at $563,383.87 each. Not a Closing Disclosure.