Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,954Cash toward the purchase price.
Closing costs + prepaids$18,488Not just lender fees.
Before credits & paid funds$159,441The complete starting cash picture.
Estimated remaining funds due at closing
$159,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,953.76
Your down payment$140,953.76
Closing costs + prepaids$18,487.65
Total buyer cash needed$159,441.42
Remaining funds due$159,441.42
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,494.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,599.75
Prepaid interest, first (28 days)$2,526.17
Fees + prepaids$18,487.65
Your down payment is the seller’s equity. You take over the $498,946 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $159,441.42 is due at closing. Uses and sources reconcile at $658,387.65 each. Not a Closing Disclosure.