Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,205Cash toward the purchase price.
Closing costs + prepaids$19,650Not just lender fees.
Before credits & paid funds$60,855The complete starting cash picture.
Estimated remaining funds due at closing
$60,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,205.32
Your down payment$41,205.32
Closing costs + prepaids$19,649.86
Total buyer cash needed$60,855.18
Remaining funds due$60,855.18
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%)$2,993.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Prepaid interest, first (28 days)$3,187.88
Fees + prepaids$19,649.86
Your down payment is the seller’s equity. You take over the $598,795 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $60,855.18 is due at closing. Uses and sources reconcile at $659,649.86 each. Not a Closing Disclosure.