Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$23,469Cash toward the purchase price.
Closing costs + prepaids$9,733Not just lender fees.
Before credits & paid funds$33,202The complete starting cash picture.
Estimated remaining funds due at closing
$33,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,469.26
Your down payment$23,469.26
Closing costs + prepaids$9,733.18
Total buyer cash needed$33,202.44
Remaining funds due$33,202.44
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%)$1,082.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Prepaid interest, first (18 days)$732.53
Fees + prepaids$9,733.18
Your down payment is the seller’s equity. You take over the $216,531 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $33,202.44 is due at closing. Uses and sources reconcile at $249,733.18 each. Not a Closing Disclosure.