Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,182Cash toward the purchase price.
Closing costs + prepaids$9,764Not just lender fees.
Before credits & paid funds$64,946The complete starting cash picture.
Estimated remaining funds due at closing
$64,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,181.71
Your down payment$55,181.71
Closing costs + prepaids$9,764.30
Total buyer cash needed$64,946.01
Remaining funds due$64,946.01
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%)$924.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.25
Prepaid interest, first (27 days)$833.96
Fees + prepaids$9,764.30
Your down payment is the seller’s equity. You take over the $184,818 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $64,946.01 is due at closing. Uses and sources reconcile at $249,764.30 each. Not a Closing Disclosure.