Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$449,419Cash toward the purchase price.
Closing costs + prepaids$15,256Not just lender fees.
Before credits & paid funds$464,675The complete starting cash picture.
Estimated remaining funds due at closing
$464,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$449,419.42
Your down payment$449,419.42
Closing costs + prepaids$15,255.95
Total buyer cash needed$464,675.37
Remaining funds due$464,675.37
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%)$1,127.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,265.75
Initial HOA (3 months)$249.99
Prepaid interest, first (22 days)$394.30
Fees + prepaids$15,255.95
Your down payment is the seller’s equity. You take over the $225,581 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $464,675.37 is due at closing. Uses and sources reconcile at $690,255.95 each. Not a Closing Disclosure.