Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$453,012Cash toward the purchase price.
Closing costs + prepaids$13,817Not just lender fees.
Before credits & paid funds$466,829The complete starting cash picture.
Estimated remaining funds due at closing
$466,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$453,012.34
Your down payment$453,012.34
Closing costs + prepaids$13,816.92
Total buyer cash needed$466,829.25
Remaining funds due$466,829.25
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%)$6,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$934.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$694.00
Prepaid interest, first (18 days)$319.98
Fees + prepaids$13,816.92
Your down payment is the seller’s equity. You take over the $186,988 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $466,829.25 is due at closing. Uses and sources reconcile at $653,816.92 each. Not a Closing Disclosure.