Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,812Not just lender fees.
Before credits & paid funds$9,812The complete starting cash picture.
Estimated remaining funds due at closing
$9,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$11,426.44
Your down payment$0.00
Closing costs + prepaids$9,811.59
Total buyer cash needed$9,811.59
Remaining funds due$9,811.59
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,307.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$329.50
Prepaid interest, first (22 days)$456.96
Fees + prepaids$9,811.59
Your down payment is the seller’s equity. You take over the $261,426 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $9,811.59 is due at closing. Not a Closing Disclosure.