Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$232,084Cash toward the purchase price.
Closing costs + prepaids$8,758Not just lender fees.
Before credits & paid funds$240,843The complete starting cash picture.
Estimated remaining funds due at closing
$240,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,084.49
Your down payment$232,084.49
Closing costs + prepaids$8,758.06
Total buyer cash needed$240,842.55
Remaining funds due$240,842.55
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%)$2,509.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$94.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$886.75
Prepaid interest, first (30 days)$48.80
Fees + prepaids$8,758.06
Your down payment is the seller’s equity. You take over the $18,911 balance, so the rest of the $250,995 price is paid at closing. A second mortgage can cover part of it. $240,842.55 is due at closing. Uses and sources reconcile at $259,753.06 each. Not a Closing Disclosure.