Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,439Cash toward the purchase price.
Closing costs + prepaids$18,490Not just lender fees.
Before credits & paid funds$50,929The complete starting cash picture.
Estimated remaining funds due at closing
$50,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,439.00
Your down payment$32,439.00
Closing costs + prepaids$18,490.13
Total buyer cash needed$50,929.14
Remaining funds due$50,929.14
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%)$3,037.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$891.25
Initial HOA (3 months)$125.01
Prepaid interest, first (28 days)$2,568.07
Fees + prepaids$18,490.13
Your down payment is the seller’s equity. You take over the $607,561 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $50,929.14 is due at closing. Uses and sources reconcile at $658,490.13 each. Not a Closing Disclosure.