Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,450Cash toward the purchase price.
Closing costs + prepaids$9,126Not just lender fees.
Before credits & paid funds$54,576The complete starting cash picture.
Estimated remaining funds due at closing
$54,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,449.51
Your down payment$45,449.51
Closing costs + prepaids$9,126.12
Total buyer cash needed$54,575.62
Remaining funds due$54,575.62
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%)$972.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$502.00
Prepaid interest, first (1 days)$33.37
Fees + prepaids$9,126.12
Your down payment is the seller’s equity. You take over the $194,550 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $54,575.62 is due at closing. Uses and sources reconcile at $249,126.12 each. Not a Closing Disclosure.