Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$161,531Cash toward the purchase price.
Closing costs + prepaids$16,703Not just lender fees.
Before credits & paid funds$178,234The complete starting cash picture.
Estimated remaining funds due at closing
$178,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,531.19
Your down payment$161,531.19
Closing costs + prepaids$16,702.71
Total buyer cash needed$178,233.90
Remaining funds due$178,233.90
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%)$2,567.34
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 (27 days)$1,052.12
Fees + prepaids$16,702.71
Your down payment is the seller’s equity. You take over the $513,469 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $178,233.90 is due at closing. Uses and sources reconcile at $691,702.71 each. Not a Closing Disclosure.