Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$86,552Cash toward the purchase price.
Closing costs + prepaids$17,228Not just lender fees.
Before credits & paid funds$103,779The complete starting cash picture.
Estimated remaining funds due at closing
$103,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,551.73
Your down payment$86,551.73
Closing costs + prepaids$17,227.75
Total buyer cash needed$103,779.48
Remaining funds due$103,779.48
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%)$2,942.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Prepaid interest, first (12 days)$1,257.51
Fees + prepaids$17,227.75
Your down payment is the seller’s equity. You take over the $588,448 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $103,779.48 is due at closing. Uses and sources reconcile at $692,227.75 each. Not a Closing Disclosure.