Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$173,293Cash toward the purchase price.
Closing costs + prepaids$17,388Not just lender fees.
Before credits & paid funds$190,681The complete starting cash picture.
Estimated remaining funds due at closing
$190,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,292.50
Your down payment$173,292.50
Closing costs + prepaids$17,388.11
Total buyer cash needed$190,680.61
Remaining funds due$190,680.61
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%)$2,333.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$483.25
Prepaid interest, first (31 days)$2,703.32
Fees + prepaids$17,388.11
Your down payment is the seller’s equity. You take over the $466,707 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $190,680.61 is due at closing. Uses and sources reconcile at $657,388.11 each. Not a Closing Disclosure.