Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$453,012Cash toward the purchase price.
Closing costs + prepaids$14,012Not just lender fees.
Before credits & paid funds$467,025The complete starting cash picture.
Estimated remaining funds due at closing
$467,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$453,012.34
Your down payment$453,012.34
Closing costs + prepaids$14,012.46
Total buyer cash needed$467,024.80
Remaining funds due$467,024.80
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%)$934.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$694.00
Prepaid interest, first (29 days)$515.52
Fees + prepaids$14,012.46
Your down payment is the seller’s equity. You take over the $186,988 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $467,024.80 is due at closing. Uses and sources reconcile at $654,012.46 each. Not a Closing Disclosure.