Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,997Cash toward the purchase price.
Closing costs + prepaids$18,073Not just lender fees.
Before credits & paid funds$172,070The complete starting cash picture.
Estimated remaining funds due at closing
$172,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,996.95
Your down payment$153,996.95
Closing costs + prepaids$18,072.58
Total buyer cash needed$172,069.53
Remaining funds due$172,069.53
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%)$2,605.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Initial HOA (3 months)$411.00
Prepaid interest, first (28 days)$1,151.06
Fees + prepaids$18,072.58
Your down payment is the seller’s equity. You take over the $521,003 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $172,069.53 is due at closing. Uses and sources reconcile at $693,072.58 each. Not a Closing Disclosure.