Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$153,261Cash toward the purchase price.
Closing costs + prepaids$15,138Not just lender fees.
Before credits & paid funds$168,398The complete starting cash picture.
Estimated remaining funds due at closing
$168,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,260.74
Your down payment$153,260.74
Closing costs + prepaids$15,137.74
Total buyer cash needed$168,398.48
Remaining funds due$168,398.48
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%)$2,433.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$517.50
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$78.55
Fees + prepaids$15,137.74
Your down payment is the seller’s equity. You take over the $486,739 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $168,398.48 is due at closing. Uses and sources reconcile at $655,137.74 each. Not a Closing Disclosure.