Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$74,889Cash toward the purchase price.
Closing costs + prepaids$18,877Not just lender fees.
Before credits & paid funds$93,766The complete starting cash picture.
Estimated remaining funds due at closing
$93,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,889.25
Your down payment$74,889.25
Closing costs + prepaids$18,876.63
Total buyer cash needed$93,765.87
Remaining funds due$93,765.87
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%)$2,825.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$931.75
Prepaid interest, first (28 days)$3,251.32
Fees + prepaids$18,876.63
Your down payment is the seller’s equity. You take over the $565,111 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $93,765.87 is due at closing. Uses and sources reconcile at $658,876.63 each. Not a Closing Disclosure.