Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$19,190Cash toward the purchase price.
Closing costs + prepaids$10,115Not just lender fees.
Before credits & paid funds$29,304The complete starting cash picture.
Estimated remaining funds due at closing
$29,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,189.73
Your down payment$19,189.73
Closing costs + prepaids$10,114.65
Total buyer cash needed$29,304.38
Remaining funds due$29,304.38
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%)$1,104.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.75
Prepaid interest, first (26 days)$1,064.85
Fees + prepaids$10,114.65
Your down payment is the seller’s equity. You take over the $220,810 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $29,304.38 is due at closing. Uses and sources reconcile at $250,114.65 each. Not a Closing Disclosure.