Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$143,820Cash toward the purchase price.
Closing costs + prepaids$8,454Not just lender fees.
Before credits & paid funds$152,274The complete starting cash picture.
Estimated remaining funds due at closing
$152,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,819.54
Your down payment$143,819.54
Closing costs + prepaids$8,454.20
Total buyer cash needed$152,273.73
Remaining funds due$152,273.73
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%)$480.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$152.50
Prepaid interest, first (26 days)$202.80
Fees + prepaids$8,454.20
Your down payment is the seller’s equity. You take over the $96,180 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $152,273.73 is due at closing. Uses and sources reconcile at $248,454.20 each. Not a Closing Disclosure.