Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,087Cash toward the purchase price.
Closing costs + prepaids$19,639Not just lender fees.
Before credits & paid funds$46,726The complete starting cash picture.
Estimated remaining funds due at closing
$46,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,086.77
Your down payment$27,086.77
Closing costs + prepaids$19,638.79
Total buyer cash needed$46,725.56
Remaining funds due$46,725.56
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%)$3,239.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,034.75
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$2,681.47
Fees + prepaids$19,638.79
Your down payment is the seller’s equity. You take over the $647,913 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $46,725.56 is due at closing. Uses and sources reconcile at $694,638.79 each. Not a Closing Disclosure.