Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$176,722Cash toward the purchase price.
Closing costs + prepaids$16,674Not just lender fees.
Before credits & paid funds$193,396The complete starting cash picture.
Estimated remaining funds due at closing
$193,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,722.00
Your down payment$176,722.00
Closing costs + prepaids$16,674.20
Total buyer cash needed$193,396.20
Remaining funds due$193,396.20
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%)$2,491.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Initial HOA (3 months)$90.00
Prepaid interest, first (12 days)$1,064.81
Fees + prepaids$16,674.20
Your down payment is the seller’s equity. You take over the $498,278 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $193,396.20 is due at closing. Uses and sources reconcile at $691,674.20 each. Not a Closing Disclosure.