Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,190Not just lender fees.
Before credits & paid funds$9,190The complete starting cash picture.
Estimated remaining funds due at closing
$9,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$75,160.42
Your down payment$0.00
Closing costs + prepaids$9,190.31
Total buyer cash needed$9,190.31
Remaining funds due$9,190.31
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%)$1,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.50
Prepaid interest, first (24 days)$989.01
Fees + prepaids$9,190.31
Your down payment is the seller’s equity. You take over the $224,160 balance, so the rest of the $149,000 price is paid at closing. A second mortgage can cover part of it. $9,190.31 is due at closing. Not a Closing Disclosure.