Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,821Not just lender fees.
Before credits & paid funds$10,821The complete starting cash picture.
Estimated remaining funds due at closing
$10,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$54,507.49
Your down payment$0.00
Closing costs + prepaids$10,821.37
Total buyer cash needed$10,821.37
Remaining funds due$10,821.37
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,272.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$554.25
Initial HOA (3 months)$1,080.00
Prepaid interest, first (27 days)$696.58
Fees + prepaids$10,821.37
Your down payment is the seller’s equity. You take over the $254,507 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $10,821.37 is due at closing. Not a Closing Disclosure.