Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$196,539Cash toward the purchase price.
Closing costs + prepaids$8,155Not just lender fees.
Before credits & paid funds$204,695The complete starting cash picture.
Estimated remaining funds due at closing
$204,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,539.08
Your down payment$196,539.08
Closing costs + prepaids$8,155.45
Total buyer cash needed$204,694.53
Remaining funds due$204,694.53
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%)$217.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.00
Prepaid interest, first (9 days)$32.15
Fees + prepaids$8,155.45
Your down payment is the seller’s equity. You take over the $43,461 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $204,694.53 is due at closing. Uses and sources reconcile at $248,155.45 each. Not a Closing Disclosure.