Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$43,347Cash toward the purchase price.
Closing costs + prepaids$9,633Not just lender fees.
Before credits & paid funds$52,980The complete starting cash picture.
Estimated remaining funds due at closing
$52,980No 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$9,633.02
Total buyer cash needed$52,980.41
Remaining funds due$52,980.41
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 (22 days)$737.26
Fees + prepaids$9,633.02
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. $52,980.41 is due at closing. Uses and sources reconcile at $249,633.02 each. Not a Closing Disclosure.