Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$151,689Cash toward the purchase price.
Closing costs + prepaids$10,727Not just lender fees.
Before credits & paid funds$162,416The complete starting cash picture.
Estimated remaining funds due at closing
$162,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,689.38
Your down payment$151,689.38
Closing costs + prepaids$10,726.51
Total buyer cash needed$162,415.90
Remaining funds due$162,415.90
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%)$441.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$1,890.00
Prepaid interest, first (23 days)$176.96
Fees + prepaids$10,726.51
Your down payment is the seller’s equity. You take over the $88,311 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $162,415.90 is due at closing. Uses and sources reconcile at $250,726.51 each. Not a Closing Disclosure.