Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$133,433Cash toward the purchase price.
Closing costs + prepaids$17,901Not just lender fees.
Before credits & paid funds$151,335The complete starting cash picture.
Estimated remaining funds due at closing
$151,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,433.43
Your down payment$133,433.43
Closing costs + prepaids$17,901.12
Total buyer cash needed$151,334.55
Remaining funds due$151,334.55
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%)$2,707.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (31 days)$2,437.79
Fees + prepaids$17,901.12
Your down payment is the seller’s equity. You take over the $541,567 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $151,334.55 is due at closing. Uses and sources reconcile at $692,901.12 each. Not a Closing Disclosure.