Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,424Not just lender fees.
Before credits & paid funds$9,424The complete starting cash picture.
Estimated remaining funds due at closing
$9,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$8,764.61
Your down payment$0.00
Closing costs + prepaids$9,423.93
Total buyer cash needed$9,423.93
Remaining funds due$9,423.93
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%)$1,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,038.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$652.00
Prepaid interest, first (25 days)$525.10
Fees + prepaids$9,423.93
Your down payment is the seller’s equity. You take over the $207,765 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $9,423.93 is due at closing. Not a Closing Disclosure.