Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$19,720Cash toward the purchase price.
Closing costs + prepaids$18,921Not just lender fees.
Before credits & paid funds$38,640The complete starting cash picture.
Estimated remaining funds due at closing
$38,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,719.54
Your down payment$19,719.54
Closing costs + prepaids$18,920.77
Total buyer cash needed$38,640.31
Remaining funds due$38,640.31
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%)$3,101.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$358.00
Initial HOA (3 months)$390.00
Prepaid interest, first (29 days)$3,203.37
Fees + prepaids$18,920.77
Your down payment is the seller’s equity. You take over the $620,280 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $38,640.31 is due at closing. Uses and sources reconcile at $658,920.77 each. Not a Closing Disclosure.