Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,241Not just lender fees.
Before credits & paid funds$14,241The complete starting cash picture.
Estimated remaining funds due at closing
$14,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$103,341.56
Your down payment$0.00
Closing costs + prepaids$14,240.73
Total buyer cash needed$14,240.73
Remaining funds due$14,240.73
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,016.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$704.00
Initial HOA (3 months)$1,485.00
Prepaid interest, first (27 days)$1,817.03
Fees + prepaids$14,240.73
Your down payment is the seller’s equity. You take over the $403,342 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $14,240.73 is due at closing. Not a Closing Disclosure.