Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$176,022Cash toward the purchase price.
Closing costs + prepaids$18,332Not just lender fees.
Before credits & paid funds$194,355The complete starting cash picture.
Estimated remaining funds due at closing
$194,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,022.48
Your down payment$176,022.48
Closing costs + prepaids$18,332.46
Total buyer cash needed$194,354.95
Remaining funds due$194,354.95
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%)$2,494.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$2,860.58
Fees + prepaids$18,332.46
Your down payment is the seller’s equity. You take over the $498,978 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $194,354.95 is due at closing. Uses and sources reconcile at $693,332.46 each. Not a Closing Disclosure.