Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$452,464Cash toward the purchase price.
Closing costs + prepaids$14,525Not just lender fees.
Before credits & paid funds$466,988The complete starting cash picture.
Estimated remaining funds due at closing
$466,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,463.73
Your down payment$452,463.73
Closing costs + prepaids$14,524.67
Total buyer cash needed$466,988.40
Remaining funds due$466,988.40
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%)$1,112.68
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)$209.01
Prepaid interest, first (10 days)$174.98
Fees + prepaids$14,524.67
Your down payment is the seller’s equity. You take over the $222,536 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $466,988.40 is due at closing. Uses and sources reconcile at $689,524.67 each. Not a Closing Disclosure.