Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,555Not just lender fees.
Before credits & paid funds$8,555The complete starting cash picture.
Estimated remaining funds due at closing
$8,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$164,181.85
Your down payment$0.00
Closing costs + prepaids$8,555.13
Total buyer cash needed$8,555.13
Remaining funds due$8,555.13
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%)$1,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,420.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$179.00
Prepaid interest, first (23 days)$537.22
Fees + prepaids$8,555.13
Your down payment is the seller’s equity. You take over the $284,182 balance, so the rest of the $120,000 price is paid at closing. A second mortgage can cover part of it. $8,555.13 is due at closing. Not a Closing Disclosure.