Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,039Cash toward the purchase price.
Closing costs + prepaids$19,280Not just lender fees.
Before credits & paid funds$51,319The complete starting cash picture.
Estimated remaining funds due at closing
$51,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,038.90
Your down payment$32,038.90
Closing costs + prepaids$19,279.80
Total buyer cash needed$51,318.70
Remaining funds due$51,318.70
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%)$3,214.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,034.75
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$2,347.25
Fees + prepaids$19,279.80
Your down payment is the seller’s equity. You take over the $642,961 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $51,318.70 is due at closing. Uses and sources reconcile at $694,279.80 each. Not a Closing Disclosure.