Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$515,573Cash toward the purchase price.
Closing costs + prepaids$14,405Not just lender fees.
Before credits & paid funds$529,978The complete starting cash picture.
Estimated remaining funds due at closing
$529,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,572.84
Your down payment$515,572.84
Closing costs + prepaids$14,405.47
Total buyer cash needed$529,978.31
Remaining funds due$529,978.31
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%)$797.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$855.00
Initial HOA (3 months)$121.26
Prepaid interest, first (30 days)$414.07
Fees + prepaids$14,405.47
Your down payment is the seller’s equity. You take over the $159,427 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $529,978.31 is due at closing. Uses and sources reconcile at $689,405.47 each. Not a Closing Disclosure.