Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$129,603Cash toward the purchase price.
Closing costs + prepaids$16,316Not just lender fees.
Before credits & paid funds$145,919The complete starting cash picture.
Estimated remaining funds due at closing
$145,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,602.85
Your down payment$129,602.85
Closing costs + prepaids$16,316.22
Total buyer cash needed$145,919.07
Remaining funds due$145,919.07
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%)$2,726.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Prepaid interest, first (6 days)$561.24
Fees + prepaids$16,316.22
Your down payment is the seller’s equity. You take over the $545,397 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $145,919.07 is due at closing. Uses and sources reconcile at $691,316.22 each. Not a Closing Disclosure.