Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$6,707Not just lender fees.
Before credits & paid funds$6,707The complete starting cash picture.
Estimated remaining funds due at closing
$6,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$88,480.74
Your down payment$0.00
Closing costs + prepaids$6,706.61
Total buyer cash needed$6,706.61
Remaining funds due$6,706.61
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%)$450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$667.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$57.00
Prepaid interest, first (24 days)$314.21
Fees + prepaids$6,706.61
Your down payment is the seller’s equity. You take over the $133,481 balance, so the rest of the $45,000 price is paid at closing. A second mortgage can cover part of it. $6,706.61 is due at closing. Not a Closing Disclosure.