Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$111,432Cash toward the purchase price.
Closing costs + prepaids$19,119Not just lender fees.
Before credits & paid funds$130,551The complete starting cash picture.
Estimated remaining funds due at closing
$130,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,432.27
Your down payment$111,432.27
Closing costs + prepaids$19,119.23
Total buyer cash needed$130,551.49
Remaining funds due$130,551.49
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%)$2,817.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,376.25
Initial HOA (3 months)$65.01
Prepaid interest, first (23 days)$2,642.13
Fees + prepaids$19,119.23
Your down payment is the seller’s equity. You take over the $563,568 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $130,551.49 is due at closing. Uses and sources reconcile at $694,119.23 each. Not a Closing Disclosure.