Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$215,010Cash toward the purchase price.
Closing costs + prepaids$18,325Not just lender fees.
Before credits & paid funds$233,334The complete starting cash picture.
Estimated remaining funds due at closing
$233,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,009.95
Your down payment$215,009.95
Closing costs + prepaids$18,324.52
Total buyer cash needed$233,334.47
Remaining funds due$233,334.47
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%)$2,299.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Initial HOA (3 months)$81.00
Prepaid interest, first (26 days)$2,038.07
Fees + prepaids$18,324.52
Your down payment is the seller’s equity. You take over the $459,990 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $233,334.47 is due at closing. Uses and sources reconcile at $693,324.52 each. Not a Closing Disclosure.