Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$160,574Cash toward the purchase price.
Closing costs + prepaids$16,788Not just lender fees.
Before credits & paid funds$177,362The complete starting cash picture.
Estimated remaining funds due at closing
$177,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,573.77
Your down payment$160,573.77
Closing costs + prepaids$16,787.96
Total buyer cash needed$177,361.74
Remaining funds due$177,361.74
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%)$2,572.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$865.25
Prepaid interest, first (28 days)$1,132.58
Fees + prepaids$16,787.96
Your down payment is the seller’s equity. You take over the $514,426 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $177,361.74 is due at closing. Uses and sources reconcile at $691,787.96 each. Not a Closing Disclosure.