Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$209,957Cash toward the purchase price.
Closing costs + prepaids$15,069Not just lender fees.
Before credits & paid funds$225,026The complete starting cash picture.
Estimated remaining funds due at closing
$225,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,957.05
Your down payment$209,957.05
Closing costs + prepaids$15,069.34
Total buyer cash needed$225,026.38
Remaining funds due$225,026.38
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%)$2,150.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$768.00
Prepaid interest, first (9 days)$283.12
Fees + prepaids$15,069.34
Your down payment is the seller’s equity. You take over the $430,043 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $225,026.38 is due at closing. Uses and sources reconcile at $655,069.34 each. Not a Closing Disclosure.