Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$74,835Cash toward the purchase price.
Closing costs + prepaids$18,125Not just lender fees.
Before credits & paid funds$92,960The complete starting cash picture.
Estimated remaining funds due at closing
$92,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,834.92
Your down payment$74,834.92
Closing costs + prepaids$18,125.43
Total buyer cash needed$92,960.35
Remaining funds due$92,960.35
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%)$3,000.83
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)$990.00
Prepaid interest, first (10 days)$1,106.61
Fees + prepaids$18,125.43
Your down payment is the seller’s equity. You take over the $600,165 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $92,960.35 is due at closing. Uses and sources reconcile at $693,125.43 each. Not a Closing Disclosure.