Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$231,950Cash toward the purchase price.
Closing costs + prepaids$19,836Not just lender fees.
Before credits & paid funds$251,786The complete starting cash picture.
Estimated remaining funds due at closing
$251,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,950.35
Your down payment$231,950.35
Closing costs + prepaids$19,835.59
Total buyer cash needed$251,785.94
Remaining funds due$251,785.94
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%)$2,215.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,823.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (28 days)$2,304.34
Fees + prepaids$19,835.59
Your down payment is the seller’s equity. You take over the $443,050 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $251,785.94 is due at closing. Uses and sources reconcile at $694,835.59 each. Not a Closing Disclosure.