Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$13,933Cash toward the purchase price.
Closing costs + prepaids$19,925Not just lender fees.
Before credits & paid funds$33,859The complete starting cash picture.
Estimated remaining funds due at closing
$33,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,933.47
Your down payment$13,933.47
Closing costs + prepaids$19,925.12
Total buyer cash needed$33,858.59
Remaining funds due$33,858.59
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%)$3,130.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (18 days)$2,216.79
Fees + prepaids$19,925.12
Your down payment is the seller’s equity. You take over the $626,067 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $33,858.59 is due at closing. Uses and sources reconcile at $659,925.12 each. Not a Closing Disclosure.