Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,804Not just lender fees.
Before credits & paid funds$10,804The complete starting cash picture.
Estimated remaining funds due at closing
$10,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$138,530.12
Your down payment$0.00
Closing costs + prepaids$10,804.42
Total buyer cash needed$10,804.42
Remaining funds due$10,804.42
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%)$1,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,392.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$864.50
Initial HOA (3 months)$786.00
Prepaid interest, first (22 days)$1,143.27
Fees + prepaids$10,804.42
Your down payment is the seller’s equity. You take over the $278,530 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $10,804.42 is due at closing. Not a Closing Disclosure.