Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$194,923Cash toward the purchase price.
Closing costs + prepaids$8,188Not just lender fees.
Before credits & paid funds$203,112The complete starting cash picture.
Estimated remaining funds due at closing
$203,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,923.19
Your down payment$194,923.19
Closing costs + prepaids$8,188.34
Total buyer cash needed$203,111.53
Remaining funds due$203,111.53
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%)$225.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$341.25
Prepaid interest, first (1 days)$3.70
Fees + prepaids$8,188.34
Your down payment is the seller’s equity. You take over the $45,077 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $203,111.53 is due at closing. Uses and sources reconcile at $248,188.34 each. Not a Closing Disclosure.