Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,363Not just lender fees.
Before credits & paid funds$10,363The complete starting cash picture.
Estimated remaining funds due at closing
$10,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$4,644.64
Your down payment$0.00
Closing costs + prepaids$10,362.51
Total buyer cash needed$10,362.51
Remaining funds due$10,362.51
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%)$1,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$798.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$392.25
Initial HOA (3 months)$2,076.00
Prepaid interest, first (25 days)$328.04
Fees + prepaids$10,362.51
Your down payment is the seller’s equity. You take over the $159,645 balance, so the rest of the $155,000 price is paid at closing. A second mortgage can cover part of it. $10,362.51 is due at closing. Not a Closing Disclosure.