Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$7,807Cash toward the purchase price.
Closing costs + prepaids$19,745Not just lender fees.
Before credits & paid funds$27,552The complete starting cash picture.
Estimated remaining funds due at closing
$27,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,806.71
Your down payment$7,806.71
Closing costs + prepaids$19,745.15
Total buyer cash needed$27,551.86
Remaining funds due$27,551.86
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%)$3,160.97
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)$135.00
Prepaid interest, first (26 days)$2,981.18
Fees + prepaids$19,745.15
Your down payment is the seller’s equity. You take over the $632,193 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $27,551.86 is due at closing. Uses and sources reconcile at $659,745.15 each. Not a Closing Disclosure.