Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$48,244Cash toward the purchase price.
Closing costs + prepaids$17,585Not just lender fees.
Before credits & paid funds$65,829The complete starting cash picture.
Estimated remaining funds due at closing
$65,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,243.50
Your down payment$48,243.50
Closing costs + prepaids$17,585.32
Total buyer cash needed$65,828.82
Remaining funds due$65,828.82
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%)$3,133.78
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)$9.99
Prepaid interest, first (12 days)$1,413.55
Fees + prepaids$17,585.32
Your down payment is the seller’s equity. You take over the $626,756 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $65,828.82 is due at closing. Uses and sources reconcile at $692,585.32 each. Not a Closing Disclosure.