Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$430,105Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$444,228The complete starting cash picture.
Estimated remaining funds due at closing
$444,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,105.40
Your down payment$430,105.40
Closing costs + prepaids$14,122.43
Total buyer cash needed$444,227.82
Remaining funds due$444,227.82
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%)$1,049.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$486.00
Initial HOA (3 months)$237.00
Prepaid interest, first (29 days)$481.95
Fees + prepaids$14,122.43
Your down payment is the seller’s equity. You take over the $209,895 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $444,227.82 is due at closing. Uses and sources reconcile at $654,122.43 each. Not a Closing Disclosure.