Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,639Not just lender fees.
Before credits & paid funds$10,639The complete starting cash picture.
Estimated remaining funds due at closing
$10,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$33,490.19
Your down payment$0.00
Closing costs + prepaids$10,638.82
Total buyer cash needed$10,638.82
Remaining funds due$10,638.82
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%)$1,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,112.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$234.50
Initial HOA (3 months)$1,221.00
Prepaid interest, first (22 days)$962.86
Fees + prepaids$10,638.82
Your down payment is the seller’s equity. You take over the $222,490 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $10,638.82 is due at closing. Not a Closing Disclosure.