Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$96,827Cash toward the purchase price.
Closing costs + prepaids$17,811Not just lender fees.
Before credits & paid funds$114,638The complete starting cash picture.
Estimated remaining funds due at closing
$114,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,827.02
Your down payment$96,827.02
Closing costs + prepaids$17,810.69
Total buyer cash needed$114,637.71
Remaining funds due$114,637.71
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%)$2,890.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$843.75
Prepaid interest, first (17 days)$1,858.07
Fees + prepaids$17,810.69
Your down payment is the seller’s equity. You take over the $578,173 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $114,637.71 is due at closing. Uses and sources reconcile at $692,810.69 each. Not a Closing Disclosure.