Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$15,307Cash toward the purchase price.
Closing costs + prepaids$10,312Not just lender fees.
Before credits & paid funds$25,619The complete starting cash picture.
Estimated remaining funds due at closing
$25,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,306.94
Your down payment$15,306.94
Closing costs + prepaids$10,312.42
Total buyer cash needed$25,619.36
Remaining funds due$25,619.36
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%)$1,123.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.00
Initial HOA (3 months)$525.00
Prepaid interest, first (25 days)$530.95
Fees + prepaids$10,312.42
Your down payment is the seller’s equity. You take over the $224,693 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $25,619.36 is due at closing. Uses and sources reconcile at $250,312.42 each. Not a Closing Disclosure.