Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,347Cash toward the purchase price.
Closing costs + prepaids$9,935Not just lender fees.
Before credits & paid funds$53,282The complete starting cash picture.
Estimated remaining funds due at closing
$53,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,347.39
Your down payment$43,347.39
Closing costs + prepaids$9,934.63
Total buyer cash needed$53,282.02
Remaining funds due$53,282.02
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%)$2,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$983.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.50
Prepaid interest, first (31 days)$1,038.86
Fees + prepaids$9,934.63
Your down payment is the seller’s equity. You take over the $196,653 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $53,282.02 is due at closing. Uses and sources reconcile at $249,934.63 each. Not a Closing Disclosure.