Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$65,906Cash toward the purchase price.
Closing costs + prepaids$16,840Not just lender fees.
Before credits & paid funds$82,746The complete starting cash picture.
Estimated remaining funds due at closing
$82,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,906.17
Your down payment$65,906.17
Closing costs + prepaids$16,840.21
Total buyer cash needed$82,746.39
Remaining funds due$82,746.39
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,869.97
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 (12 days)$1,149.25
Fees + prepaids$16,840.21
Your down payment is the seller’s equity. You take over the $573,994 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $82,746.39 is due at closing. Uses and sources reconcile at $656,740.21 each. Not a Closing Disclosure.