Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$128,982Cash toward the purchase price.
Closing costs + prepaids$18,885Not just lender fees.
Before credits & paid funds$147,867The complete starting cash picture.
Estimated remaining funds due at closing
$147,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,982.20
Your down payment$128,982.20
Closing costs + prepaids$18,884.89
Total buyer cash needed$147,867.09
Remaining funds due$147,867.09
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%)$2,555.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,999.00
Initial HOA (3 months)$440.01
Prepaid interest, first (24 days)$2,022.79
Fees + prepaids$18,884.89
Your down payment is the seller’s equity. You take over the $511,018 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $147,867.09 is due at closing. Uses and sources reconcile at $658,884.89 each. Not a Closing Disclosure.