Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$229,987Cash toward the purchase price.
Closing costs + prepaids$17,436Not just lender fees.
Before credits & paid funds$247,423The complete starting cash picture.
Estimated remaining funds due at closing
$247,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,986.72
Your down payment$229,986.72
Closing costs + prepaids$17,436.47
Total buyer cash needed$247,423.19
Remaining funds due$247,423.19
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%)$2,225.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$894.25
Initial HOA (3 months)$16.74
Prepaid interest, first (28 days)$2,082.42
Fees + prepaids$17,436.47
Your down payment is the seller’s equity. You take over the $445,013 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $247,423.19 is due at closing. Uses and sources reconcile at $692,436.47 each. Not a Closing Disclosure.