Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,929Not just lender fees.
Before credits & paid funds$8,929The complete starting cash picture.
Estimated remaining funds due at closing
$8,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$303,993.24
Your down payment$0.00
Closing costs + prepaids$8,928.92
Total buyer cash needed$8,928.92
Remaining funds due$8,928.92
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%)$599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$20.00
Initial HOA (3 months)$435.00
Prepaid interest, first (24 days)$837.45
Fees + prepaids$8,928.92
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $59,900 price is paid at closing. A second mortgage can cover part of it. $8,928.92 is due at closing. Not a Closing Disclosure.