Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$96,827Cash toward the purchase price.
Closing costs + prepaids$18,593Not just lender fees.
Before credits & paid funds$115,420The complete starting cash picture.
Estimated remaining funds due at closing
$115,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,827.02
Your down payment$96,827.02
Closing costs + prepaids$18,593.42
Total buyer cash needed$115,420.44
Remaining funds due$115,420.44
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%)$2,890.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.50
Prepaid interest, first (27 days)$2,951.06
Fees + prepaids$18,593.42
Your down payment is the seller’s equity. You take over the $578,173 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $115,420.44 is due at closing. Uses and sources reconcile at $693,593.42 each. Not a Closing Disclosure.