Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$111,090Cash toward the purchase price.
Closing costs + prepaids$15,747Not just lender fees.
Before credits & paid funds$126,836The complete starting cash picture.
Estimated remaining funds due at closing
$126,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,089.87
Your down payment$111,089.87
Closing costs + prepaids$15,746.51
Total buyer cash needed$126,836.38
Remaining funds due$126,836.38
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%)$2,644.55
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)$186.00
Prepaid interest, first (6 days)$279.96
Fees + prepaids$15,746.51
Your down payment is the seller’s equity. You take over the $528,910 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $126,836.38 is due at closing. Uses and sources reconcile at $655,746.51 each. Not a Closing Disclosure.