Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,157Cash toward the purchase price.
Closing costs + prepaids$11,090Not just lender fees.
Before credits & paid funds$36,246The complete starting cash picture.
Estimated remaining funds due at closing
$36,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,156.70
Your down payment$25,156.70
Closing costs + prepaids$11,089.52
Total buyer cash needed$36,246.23
Remaining funds due$36,246.23
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%)$1,074.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,340.75
Prepaid interest, first (25 days)$1,056.56
Fees + prepaids$11,089.52
Your down payment is the seller’s equity. You take over the $214,843 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $36,246.23 is due at closing. Uses and sources reconcile at $251,089.52 each. Not a Closing Disclosure.