Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,880Not just lender fees.
Before credits & paid funds$10,880The complete starting cash picture.
Estimated remaining funds due at closing
$10,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$63,316.22
Your down payment$0.00
Closing costs + prepaids$10,880.25
Total buyer cash needed$10,880.25
Remaining funds due$10,880.25
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%)$2,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,511.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.75
Prepaid interest, first (24 days)$1,319.92
Fees + prepaids$10,880.25
Your down payment is the seller’s equity. You take over the $302,316 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $10,880.25 is due at closing. Not a Closing Disclosure.