Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$209,322Cash toward the purchase price.
Closing costs + prepaids$17,929Not just lender fees.
Before credits & paid funds$227,251The complete starting cash picture.
Estimated remaining funds due at closing
$227,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,322.25
Your down payment$209,322.25
Closing costs + prepaids$17,928.82
Total buyer cash needed$227,251.06
Remaining funds due$227,251.06
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%)$2,153.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,499.00
Initial HOA (3 months)$582.00
Prepaid interest, first (23 days)$1,826.43
Fees + prepaids$17,928.82
Your down payment is the seller’s equity. You take over the $430,678 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $227,251.06 is due at closing. Uses and sources reconcile at $657,928.82 each. Not a Closing Disclosure.