Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$445,322Cash toward the purchase price.
Closing costs + prepaids$14,736Not just lender fees.
Before credits & paid funds$460,058The complete starting cash picture.
Estimated remaining funds due at closing
$460,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,321.69
Your down payment$445,321.69
Closing costs + prepaids$14,735.83
Total buyer cash needed$460,057.51
Remaining funds due$460,057.51
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%)$1,148.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$898.25
Prepaid interest, first (26 days)$471.19
Fees + prepaids$14,735.83
Your down payment is the seller’s equity. You take over the $229,678 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $460,057.51 is due at closing. Uses and sources reconcile at $689,735.83 each. Not a Closing Disclosure.