Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$110,898Cash toward the purchase price.
Closing costs + prepaids$16,710Not just lender fees.
Before credits & paid funds$127,608The complete starting cash picture.
Estimated remaining funds due at closing
$127,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,898.06
Your down payment$110,898.06
Closing costs + prepaids$16,709.74
Total buyer cash needed$127,607.80
Remaining funds due$127,607.80
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%)$2,820.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,376.25
Initial HOA (3 months)$65.01
Prepaid interest, first (2 days)$229.97
Fees + prepaids$16,709.74
Your down payment is the seller’s equity. You take over the $564,102 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $127,607.80 is due at closing. Uses and sources reconcile at $691,709.74 each. Not a Closing Disclosure.