Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,189Not just lender fees.
Before credits & paid funds$10,189The complete starting cash picture.
Estimated remaining funds due at closing
$10,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,135.49
Your down payment$0.00
Closing costs + prepaids$10,189.16
Total buyer cash needed$10,189.16
Remaining funds due$10,189.16
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%)$2,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,275.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$304.75
Initial HOA (3 months)$450.00
Prepaid interest, first (9 days)$400.74
Fees + prepaids$10,189.16
Your down payment is the seller’s equity. You take over the $255,135 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $10,189.16 is due at closing. Not a Closing Disclosure.