Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$258,295Cash toward the purchase price.
Closing costs + prepaids$17,838Not just lender fees.
Before credits & paid funds$276,132The complete starting cash picture.
Estimated remaining funds due at closing
$276,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,294.53
Your down payment$258,294.53
Closing costs + prepaids$17,837.60
Total buyer cash needed$276,132.14
Remaining funds due$276,132.14
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%)$2,083.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Prepaid interest, first (23 days)$1,848.57
Fees + prepaids$17,837.60
Your down payment is the seller’s equity. You take over the $416,705 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $276,132.14 is due at closing. Uses and sources reconcile at $692,837.60 each. Not a Closing Disclosure.