Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$147,563Cash toward the purchase price.
Closing costs + prepaids$16,334Not just lender fees.
Before credits & paid funds$163,896The complete starting cash picture.
Estimated remaining funds due at closing
$163,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,562.59
Your down payment$147,562.59
Closing costs + prepaids$16,333.53
Total buyer cash needed$163,896.12
Remaining funds due$163,896.12
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%)$2,637.19
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)$375.00
Prepaid interest, first (7 days)$293.34
Fees + prepaids$16,333.53
Your down payment is the seller’s equity. You take over the $527,437 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $163,896.12 is due at closing. Uses and sources reconcile at $691,333.53 each. Not a Closing Disclosure.