Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$15,420Not just lender fees.
Before credits & paid funds$15,420The complete starting cash picture.
Estimated remaining funds due at closing
$15,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$93,326.84
Your down payment$0.00
Closing costs + prepaids$15,419.65
Total buyer cash needed$15,419.65
Remaining funds due$15,419.65
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,216.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,642.25
Initial HOA (3 months)$1,146.00
Prepaid interest, first (22 days)$1,696.78
Fees + prepaids$15,419.65
Your down payment is the seller’s equity. You take over the $443,326 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $15,419.65 is due at closing. Not a Closing Disclosure.