Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$218,765Cash toward the purchase price.
Closing costs + prepaids$16,684Not just lender fees.
Before credits & paid funds$235,449The complete starting cash picture.
Estimated remaining funds due at closing
$235,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,765.25
Your down payment$218,765.25
Closing costs + prepaids$16,684.19
Total buyer cash needed$235,449.45
Remaining funds due$235,449.45
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%)$2,106.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,020.00
Prepaid interest, first (28 days)$1,690.02
Fees + prepaids$16,684.19
Your down payment is the seller’s equity. You take over the $421,235 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $235,449.45 is due at closing. Uses and sources reconcile at $656,684.19 each. Not a Closing Disclosure.