Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$71,866Cash toward the purchase price.
Closing costs + prepaids$11,805Not just lender fees.
Before credits & paid funds$83,671The complete starting cash picture.
Estimated remaining funds due at closing
$83,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,865.81
Your down payment$71,865.81
Closing costs + prepaids$11,804.74
Total buyer cash needed$83,670.55
Remaining funds due$83,670.55
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%)$840.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Initial HOA (3 months)$2,217.00
Prepaid interest, first (23 days)$304.07
Fees + prepaids$11,804.74
Your down payment is the seller’s equity. You take over the $168,134 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $83,670.55 is due at closing. Uses and sources reconcile at $251,804.74 each. Not a Closing Disclosure.