Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$240,574Cash toward the purchase price.
Closing costs + prepaids$13,216Not just lender fees.
Before credits & paid funds$253,790The complete starting cash picture.
Estimated remaining funds due at closing
$253,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,574.36
Your down payment$240,574.36
Closing costs + prepaids$13,215.76
Total buyer cash needed$253,790.12
Remaining funds due$253,790.12
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,497.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$164.00
Prepaid interest, first (30 days)$686.63
Fees + prepaids$13,215.76
Your down payment is the seller’s equity. You take over the $299,426 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $253,790.12 is due at closing. Uses and sources reconcile at $553,215.76 each. Not a Closing Disclosure.