Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$430,177Cash toward the purchase price.
Closing costs + prepaids$14,877Not just lender fees.
Before credits & paid funds$445,053The complete starting cash picture.
Estimated remaining funds due at closing
$445,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,176.60
Your down payment$430,176.60
Closing costs + prepaids$14,876.64
Total buyer cash needed$445,053.23
Remaining funds due$445,053.23
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%)$1,224.12
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 (10 days)$249.52
Fees + prepaids$14,876.64
Your down payment is the seller’s equity. You take over the $244,823 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $445,053.23 is due at closing. Uses and sources reconcile at $689,876.64 each. Not a Closing Disclosure.