Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,171Cash toward the purchase price.
Closing costs + prepaids$10,132Not just lender fees.
Before credits & paid funds$43,303The complete starting cash picture.
Estimated remaining funds due at closing
$43,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,170.90
Your down payment$33,170.90
Closing costs + prepaids$10,132.05
Total buyer cash needed$43,302.95
Remaining funds due$43,302.95
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%)$1,034.15
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 (24 days)$879.90
Fees + prepaids$10,132.05
Your down payment is the seller’s equity. You take over the $206,829 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $43,302.95 is due at closing. Uses and sources reconcile at $250,132.05 each. Not a Closing Disclosure.