Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$135,805Cash toward the purchase price.
Closing costs + prepaids$9,140Not just lender fees.
Before credits & paid funds$144,944The complete starting cash picture.
Estimated remaining funds due at closing
$144,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,804.74
Your down payment$135,804.74
Closing costs + prepaids$9,139.72
Total buyer cash needed$144,944.46
Remaining funds due$144,944.46
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%)$520.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$615.25
Initial HOA (3 months)$132.00
Prepaid interest, first (24 days)$253.49
Fees + prepaids$9,139.72
Your down payment is the seller’s equity. You take over the $104,195 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $144,944.46 is due at closing. Uses and sources reconcile at $249,139.72 each. Not a Closing Disclosure.