Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$24,320Cash toward the purchase price.
Closing costs + prepaids$17,165Not just lender fees.
Before credits & paid funds$41,485The complete starting cash picture.
Estimated remaining funds due at closing
$41,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,319.93
Your down payment$24,319.93
Closing costs + prepaids$17,165.27
Total buyer cash needed$41,485.19
Remaining funds due$41,485.19
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,203.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$798.00
Initial HOA (3 months)$177.00
Prepaid interest, first (12 days)$868.87
Fees + prepaids$17,165.27
Your down payment is the seller’s equity. You take over the $640,680 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $41,485.19 is due at closing. Uses and sources reconcile at $682,165.27 each. Not a Closing Disclosure.