Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$196,539Cash toward the purchase price.
Closing costs + prepaids$8,252Not just lender fees.
Before credits & paid funds$204,791The complete starting cash picture.
Estimated remaining funds due at closing
$204,791No 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$8,251.57
Total buyer cash needed$204,790.64
Remaining funds due$204,790.64
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)$341.25
Prepaid interest, first (21 days)$75.01
Fees + prepaids$8,251.57
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. $204,790.64 is due at closing. Uses and sources reconcile at $248,251.57 each. Not a Closing Disclosure.