Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$97,283Cash toward the purchase price.
Closing costs + prepaids$18,520Not just lender fees.
Before credits & paid funds$115,803The complete starting cash picture.
Estimated remaining funds due at closing
$115,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,283.16
Your down payment$97,283.16
Closing costs + prepaids$18,519.93
Total buyer cash needed$115,803.09
Remaining funds due$115,803.09
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%)$2,888.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,645.25
Initial HOA (3 months)$549.99
Prepaid interest, first (2 days)$218.11
Fees + prepaids$18,519.93
Your down payment is the seller’s equity. You take over the $577,717 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $115,803.09 is due at closing. Uses and sources reconcile at $693,519.93 each. Not a Closing Disclosure.