Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$257,909Cash toward the purchase price.
Closing costs + prepaids$16,152Not just lender fees.
Before credits & paid funds$274,061The complete starting cash picture.
Estimated remaining funds due at closing
$274,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,909.19
Your down payment$257,909.19
Closing costs + prepaids$16,151.85
Total buyer cash needed$274,061.03
Remaining funds due$274,061.03
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%)$2,085.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Prepaid interest, first (2 days)$160.89
Fees + prepaids$16,151.85
Your down payment is the seller’s equity. You take over the $417,091 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $274,061.03 is due at closing. Uses and sources reconcile at $691,151.85 each. Not a Closing Disclosure.