Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,471Cash toward the purchase price.
Closing costs + prepaids$18,065Not just lender fees.
Before credits & paid funds$41,537The complete starting cash picture.
Estimated remaining funds due at closing
$41,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,471.45
Your down payment$23,471.45
Closing costs + prepaids$18,065.26
Total buyer cash needed$41,536.70
Remaining funds due$41,536.70
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%)$3,082.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.50
Prepaid interest, first (25 days)$2,466.11
Fees + prepaids$18,065.26
Your down payment is the seller’s equity. You take over the $616,529 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $41,536.70 is due at closing. Uses and sources reconcile at $658,065.26 each. Not a Closing Disclosure.