Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$240,574Cash toward the purchase price.
Closing costs + prepaids$13,056Not just lender fees.
Before credits & paid funds$253,630The complete starting cash picture.
Estimated remaining funds due at closing
$253,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,574.36
Your down payment$240,574.36
Closing costs + prepaids$13,055.54
Total buyer cash needed$253,629.91
Remaining funds due$253,629.91
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,497.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$164.00
Prepaid interest, first (23 days)$526.41
Fees + prepaids$13,055.54
Your down payment is the seller’s equity. You take over the $299,426 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $253,629.91 is due at closing. Uses and sources reconcile at $553,055.54 each. Not a Closing Disclosure.