Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$234,073Cash toward the purchase price.
Closing costs + prepaids$17,463Not just lender fees.
Before credits & paid funds$251,535The complete starting cash picture.
Estimated remaining funds due at closing
$251,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,072.64
Your down payment$234,072.64
Closing costs + prepaids$17,462.64
Total buyer cash needed$251,535.27
Remaining funds due$251,535.27
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%)$2,204.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Prepaid interest, first (18 days)$1,352.50
Fees + prepaids$17,462.64
Your down payment is the seller’s equity. You take over the $440,927 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $251,535.27 is due at closing. Uses and sources reconcile at $692,462.64 each. Not a Closing Disclosure.