Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$197,983Cash toward the purchase price.
Closing costs + prepaids$16,071Not just lender fees.
Before credits & paid funds$214,054The complete starting cash picture.
Estimated remaining funds due at closing
$214,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,982.65
Your down payment$197,982.65
Closing costs + prepaids$16,071.14
Total buyer cash needed$214,053.79
Remaining funds due$214,053.79
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%)$2,385.09
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)$624.30
Fees + prepaids$16,071.14
Your down payment is the seller’s equity. You take over the $477,017 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $214,053.79 is due at closing. Uses and sources reconcile at $691,071.14 each. Not a Closing Disclosure.