Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,711Cash toward the purchase price.
Closing costs + prepaids$10,503Not just lender fees.
Before credits & paid funds$22,214The complete starting cash picture.
Estimated remaining funds due at closing
$22,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,711.34
Your down payment$11,711.34
Closing costs + prepaids$10,502.63
Total buyer cash needed$22,213.97
Remaining funds due$22,213.97
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%)$1,141.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.25
Prepaid interest, first (28 days)$1,302.93
Fees + prepaids$10,502.63
Your down payment is the seller’s equity. You take over the $228,289 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $22,213.97 is due at closing. Uses and sources reconcile at $250,502.63 each. Not a Closing Disclosure.