Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,890Not just lender fees.
Before credits & paid funds$8,890The complete starting cash picture.
Estimated remaining funds due at closing
$8,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$327,172.84
Your down payment$0.00
Closing costs + prepaids$8,890.07
Total buyer cash needed$8,890.07
Remaining funds due$8,890.07
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%)$350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$15.00
Initial HOA (3 months)$690.00
Prepaid interest, first (25 days)$806.21
Fees + prepaids$8,890.07
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $35,000 price is paid at closing. A second mortgage can cover part of it. $8,890.07 is due at closing. Not a Closing Disclosure.