Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,563Cash toward the purchase price.
Closing costs + prepaids$8,511Not just lender fees.
Before credits & paid funds$147,075The complete starting cash picture.
Estimated remaining funds due at closing
$147,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,563.45
Your down payment$138,563.45
Closing costs + prepaids$8,511.29
Total buyer cash needed$147,074.74
Remaining funds due$147,074.74
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%)$507.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$166.00
Prepaid interest, first (24 days)$220.10
Fees + prepaids$8,511.29
Your down payment is the seller’s equity. You take over the $101,437 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $147,074.74 is due at closing. Uses and sources reconcile at $248,511.29 each. Not a Closing Disclosure.