Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$175,555Cash toward the purchase price.
Closing costs + prepaids$15,567Not just lender fees.
Before credits & paid funds$191,121The complete starting cash picture.
Estimated remaining funds due at closing
$191,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,554.52
Your down payment$175,554.52
Closing costs + prepaids$15,566.59
Total buyer cash needed$191,121.11
Remaining funds due$191,121.11
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%)$2,497.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$92.36
Fees + prepaids$15,566.59
Your down payment is the seller’s equity. You take over the $499,445 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $191,121.11 is due at closing. Uses and sources reconcile at $690,566.59 each. Not a Closing Disclosure.