Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,256Not just lender fees.
Before credits & paid funds$11,256The complete starting cash picture.
Estimated remaining funds due at closing
$11,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$72,682.10
Your down payment$0.00
Closing costs + prepaids$11,256.23
Total buyer cash needed$11,256.23
Remaining funds due$11,256.23
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%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,438.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,048.75
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$1,101.07
Fees + prepaids$11,256.23
Your down payment is the seller’s equity. You take over the $287,682 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $11,256.23 is due at closing. Not a Closing Disclosure.