Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,112Cash toward the purchase price.
Closing costs + prepaids$18,225Not just lender fees.
Before credits & paid funds$95,336The complete starting cash picture.
Estimated remaining funds due at closing
$95,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,111.72
Your down payment$77,111.72
Closing costs + prepaids$18,224.55
Total buyer cash needed$95,336.27
Remaining funds due$95,336.27
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%)$2,814.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Initial HOA (3 months)$612.00
Prepaid interest, first (25 days)$1,330.11
Fees + prepaids$18,224.55
Your down payment is the seller’s equity. You take over the $562,888 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $95,336.27 is due at closing. Uses and sources reconcile at $658,224.55 each. Not a Closing Disclosure.