Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$675,529Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$688,503The complete starting cash picture.
Estimated remaining funds due at closing
$688,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$675,529.17
Your down payment$675,529.17
Closing costs + prepaids$12,973.40
Total buyer cash needed$688,502.57
Remaining funds due$688,502.57
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%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$22.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$333.50
Initial HOA (3 months)$330.00
Prepaid interest, first (28 days)$19.55
Fees + prepaids$12,973.40
Your down payment is the seller’s equity. You take over the $4,471 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $688,502.57 is due at closing. Uses and sources reconcile at $692,973.40 each. Not a Closing Disclosure.