Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$18,294Cash toward the purchase price.
Closing costs + prepaids$16,309Not just lender fees.
Before credits & paid funds$34,603The complete starting cash picture.
Estimated remaining funds due at closing
$34,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,294.13
Your down payment$18,294.13
Closing costs + prepaids$16,308.86
Total buyer cash needed$34,602.99
Remaining funds due$34,602.99
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%)$3,108.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$768.00
Initial HOA (3 months)$270.00
Prepaid interest, first (6 days)$294.33
Fees + prepaids$16,308.86
Your down payment is the seller’s equity. You take over the $621,706 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $34,602.99 is due at closing. Uses and sources reconcile at $656,308.86 each. Not a Closing Disclosure.