Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$153,923Cash toward the purchase price.
Closing costs + prepaids$16,012Not just lender fees.
Before credits & paid funds$169,935The complete starting cash picture.
Estimated remaining funds due at closing
$169,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,923.01
Your down payment$153,923.01
Closing costs + prepaids$16,012.33
Total buyer cash needed$169,935.34
Remaining funds due$169,935.34
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%)$2,430.38
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)$240.00
Prepaid interest, first (9 days)$705.94
Fees + prepaids$16,012.33
Your down payment is the seller’s equity. You take over the $486,077 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $169,935.34 is due at closing. Uses and sources reconcile at $656,012.33 each. Not a Closing Disclosure.