Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$154,954Cash toward the purchase price.
Closing costs + prepaids$16,187Not just lender fees.
Before credits & paid funds$171,141The complete starting cash picture.
Estimated remaining funds due at closing
$171,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,953.74
Your down payment$154,953.74
Closing costs + prepaids$16,187.07
Total buyer cash needed$171,140.81
Remaining funds due$171,140.81
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%)$2,425.23
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 (12 days)$1,125.84
Fees + prepaids$16,187.07
Your down payment is the seller’s equity. You take over the $485,046 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $171,140.81 is due at closing. Uses and sources reconcile at $656,187.07 each. Not a Closing Disclosure.