Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,264Not just lender fees.
Before credits & paid funds$15,264The complete starting cash picture.
Estimated remaining funds due at closing
$15,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$67,902.89
Your down payment$0.00
Closing costs + prepaids$15,263.60
Total buyer cash needed$15,263.60
Remaining funds due$15,263.60
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%)$3,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,189.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,113.75
Initial HOA (3 months)$69.99
Prepaid interest, first (24 days)$1,972.36
Fees + prepaids$15,263.60
Your down payment is the seller’s equity. You take over the $437,902 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $15,263.60 is due at closing. Not a Closing Disclosure.