Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$132,608Cash toward the purchase price.
Closing costs + prepaids$15,546Not just lender fees.
Before credits & paid funds$148,154The complete starting cash picture.
Estimated remaining funds due at closing
$148,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,608.22
Your down payment$132,608.22
Closing costs + prepaids$15,546.22
Total buyer cash needed$148,154.44
Remaining funds due$148,154.44
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%)$2,711.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (1 days)$78.76
Fees + prepaids$15,546.22
Your down payment is the seller’s equity. You take over the $542,392 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $148,154.44 is due at closing. Uses and sources reconcile at $690,546.22 each. Not a Closing Disclosure.