Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$139,559Cash toward the purchase price.
Closing costs + prepaids$17,662Not just lender fees.
Before credits & paid funds$157,221The complete starting cash picture.
Estimated remaining funds due at closing
$157,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,559.26
Your down payment$139,559.26
Closing costs + prepaids$17,661.84
Total buyer cash needed$157,221.11
Remaining funds due$157,221.11
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%)$2,677.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$408.50
Prepaid interest, first (25 days)$2,358.14
Fees + prepaids$17,661.84
Your down payment is the seller’s equity. You take over the $535,441 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $157,221.11 is due at closing. Uses and sources reconcile at $692,661.84 each. Not a Closing Disclosure.