Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$209,322Cash toward the purchase price.
Closing costs + prepaids$18,485Not just lender fees.
Before credits & paid funds$227,807The complete starting cash picture.
Estimated remaining funds due at closing
$227,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,322.25
Your down payment$209,322.25
Closing costs + prepaids$18,484.69
Total buyer cash needed$227,806.93
Remaining funds due$227,806.93
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%)$2,153.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,499.00
Initial HOA (3 months)$582.00
Prepaid interest, first (30 days)$2,382.30
Fees + prepaids$18,484.69
Your down payment is the seller’s equity. You take over the $430,678 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $227,806.93 is due at closing. Uses and sources reconcile at $658,484.69 each. Not a Closing Disclosure.