Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,424Not just lender fees.
Before credits & paid funds$12,424The complete starting cash picture.
Estimated remaining funds due at closing
$12,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$24,121.05
Your down payment$0.00
Closing costs + prepaids$12,423.65
Total buyer cash needed$12,423.65
Remaining funds due$12,423.65
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%)$2,699.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,470.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$675.00
Initial HOA (3 months)$1,680.00
Prepaid interest, first (26 days)$680.79
Fees + prepaids$12,423.65
Your down payment is the seller’s equity. You take over the $294,071 balance, so the rest of the $269,950 price is paid at closing. A second mortgage can cover part of it. $12,423.65 is due at closing. Not a Closing Disclosure.