Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,299Cash toward the purchase price.
Closing costs + prepaids$10,315Not just lender fees.
Before credits & paid funds$40,614The complete starting cash picture.
Estimated remaining funds due at closing
$40,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,299.31
Your down payment$30,299.31
Closing costs + prepaids$10,315.12
Total buyer cash needed$40,614.43
Remaining funds due$40,614.43
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%)$1,048.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (26 days)$1,048.62
Fees + prepaids$10,315.12
Your down payment is the seller’s equity. You take over the $209,701 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $40,614.43 is due at closing. Uses and sources reconcile at $250,315.12 each. Not a Closing Disclosure.