Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$110,054Cash toward the purchase price.
Closing costs + prepaids$17,215Not just lender fees.
Before credits & paid funds$127,269The complete starting cash picture.
Estimated remaining funds due at closing
$127,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,054.41
Your down payment$110,054.41
Closing costs + prepaids$17,214.76
Total buyer cash needed$127,269.17
Remaining funds due$127,269.17
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,824.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$67.75
Initial HOA (3 months)$330.00
Prepaid interest, first (27 days)$1,775.78
Fees + prepaids$17,214.76
Your down payment is the seller’s equity. You take over the $564,846 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $127,269.17 is due at closing. Uses and sources reconcile at $692,114.76 each. Not a Closing Disclosure.