Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$110,105Cash toward the purchase price.
Closing costs + prepaids$18,403Not just lender fees.
Before credits & paid funds$128,508The complete starting cash picture.
Estimated remaining funds due at closing
$128,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,105.21
Your down payment$110,105.21
Closing costs + prepaids$18,402.54
Total buyer cash needed$128,507.76
Remaining funds due$128,507.76
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%)$2,824.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$500.00
Prepaid interest, first (28 days)$2,860.07
Fees + prepaids$18,402.54
Your down payment is the seller’s equity. You take over the $564,895 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $128,507.76 is due at closing. Uses and sources reconcile at $693,402.54 each. Not a Closing Disclosure.