Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$175,338Cash toward the purchase price.
Closing costs + prepaids$16,427Not just lender fees.
Before credits & paid funds$191,765The complete starting cash picture.
Estimated remaining funds due at closing
$191,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,338.07
Your down payment$175,338.07
Closing costs + prepaids$16,427.10
Total buyer cash needed$191,765.17
Remaining funds due$191,765.17
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%)$2,498.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,404.75
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$81.04
Fees + prepaids$16,427.10
Your down payment is the seller’s equity. You take over the $499,662 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $191,765.17 is due at closing. Uses and sources reconcile at $691,427.10 each. Not a Closing Disclosure.