Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$312,026Cash toward the purchase price.
Closing costs + prepaids$14,663Not just lender fees.
Before credits & paid funds$326,689The complete starting cash picture.
Estimated remaining funds due at closing
$326,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,025.87
Your down payment$312,025.87
Closing costs + prepaids$14,663.50
Total buyer cash needed$326,689.37
Remaining funds due$326,689.37
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,814.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$541.00
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$64.64
Fees + prepaids$14,663.50
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $326,689.37 is due at closing. Uses and sources reconcile at $689,663.50 each. Not a Closing Disclosure.