Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,077Cash toward the purchase price.
Closing costs + prepaids$19,696Not just lender fees.
Before credits & paid funds$74,773The complete starting cash picture.
Estimated remaining funds due at closing
$74,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,077.13
Your down payment$55,077.13
Closing costs + prepaids$19,695.94
Total buyer cash needed$74,773.06
Remaining funds due$74,773.06
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%)$3,099.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,166.25
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$3,187.08
Fees + prepaids$19,695.94
Your down payment is the seller’s equity. You take over the $619,923 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $74,773.06 is due at closing. Uses and sources reconcile at $694,695.94 each. Not a Closing Disclosure.