Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$11,937The complete starting cash picture.
Estimated remaining funds due at closing
$11,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$21,659.04
Your down payment$0.00
Closing costs + prepaids$11,936.96
Total buyer cash needed$11,936.96
Remaining funds due$11,936.96
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%)$2,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,182.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.00
Initial HOA (3 months)$2,325.00
Prepaid interest, first (24 days)$916.16
Fees + prepaids$11,936.96
Your down payment is the seller’s equity. You take over the $236,559 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $11,936.96 is due at closing. Not a Closing Disclosure.