Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,324Cash toward the purchase price.
Closing costs + prepaids$19,390Not just lender fees.
Before credits & paid funds$40,713The complete starting cash picture.
Estimated remaining funds due at closing
$40,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,323.80
Your down payment$21,323.80
Closing costs + prepaids$19,389.60
Total buyer cash needed$40,713.40
Remaining funds due$40,713.40
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%)$3,093.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Initial HOA (3 months)$183.00
Prepaid interest, first (27 days)$2,645.22
Fees + prepaids$19,389.60
Your down payment is the seller’s equity. You take over the $618,676 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $40,713.40 is due at closing. Uses and sources reconcile at $659,389.60 each. Not a Closing Disclosure.