Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$485,347Cash toward the purchase price.
Closing costs + prepaids$16,086Not just lender fees.
Before credits & paid funds$501,433The complete starting cash picture.
Estimated remaining funds due at closing
$501,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$485,346.93
Your down payment$485,346.93
Closing costs + prepaids$16,085.73
Total buyer cash needed$501,432.66
Remaining funds due$501,432.66
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%)$948.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,524.50
Initial HOA (3 months)$1,379.01
Prepaid interest, first (1 days)$15.95
Fees + prepaids$16,085.73
Your down payment is the seller’s equity. You take over the $189,653 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $501,432.66 is due at closing. Uses and sources reconcile at $691,085.73 each. Not a Closing Disclosure.