Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,867Not just lender fees.
Before credits & paid funds$10,867The complete starting cash picture.
Estimated remaining funds due at closing
$10,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$174,459.06
Your down payment$0.00
Closing costs + prepaids$10,866.99
Total buyer cash needed$10,866.99
Remaining funds due$10,866.99
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%)$1,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,717.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$843.50
Initial HOA (3 months)$636.00
Prepaid interest, first (27 days)$762.20
Fees + prepaids$10,866.99
Your down payment is the seller’s equity. You take over the $343,459 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $10,866.99 is due at closing. Not a Closing Disclosure.