Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$26,743Cash toward the purchase price.
Closing costs + prepaids$17,615Not just lender fees.
Before credits & paid funds$44,358The complete starting cash picture.
Estimated remaining funds due at closing
$44,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,743.12
Your down payment$26,743.12
Closing costs + prepaids$17,614.93
Total buyer cash needed$44,358.05
Remaining funds due$44,358.05
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%)$3,066.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$800.00
Initial HOA (3 months)$222.00
Prepaid interest, first (16 days)$1,658.65
Fees + prepaids$17,614.93
Your down payment is the seller’s equity. You take over the $613,257 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $44,358.05 is due at closing. Uses and sources reconcile at $657,614.93 each. Not a Closing Disclosure.