Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,459Not just lender fees.
Before credits & paid funds$9,459The complete starting cash picture.
Estimated remaining funds due at closing
$9,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$26,678.49
Your down payment$0.00
Closing costs + prepaids$9,458.84
Total buyer cash needed$9,458.84
Remaining funds due$9,458.84
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,008.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$952.50
Prepaid interest, first (23 days)$529.94
Fees + prepaids$9,458.84
Your down payment is the seller’s equity. You take over the $201,678 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $9,458.84 is due at closing. Not a Closing Disclosure.