Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$10,655Cash toward the purchase price.
Closing costs + prepaids$17,831Not just lender fees.
Before credits & paid funds$28,486The complete starting cash picture.
Estimated remaining funds due at closing
$28,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,655.10
Your down payment$10,655.10
Closing costs + prepaids$17,831.30
Total buyer cash needed$28,486.40
Remaining funds due$28,486.40
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%)$3,321.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.75
Prepaid interest, first (20 days)$1,630.83
Fees + prepaids$17,831.30
Your down payment is the seller’s equity. You take over the $664,345 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $28,486.40 is due at closing. Uses and sources reconcile at $692,831.30 each. Not a Closing Disclosure.