Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,267Not just lender fees.
Before credits & paid funds$11,267The complete starting cash picture.
Estimated remaining funds due at closing
$11,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$78,162.64
Your down payment$0.00
Closing costs + prepaids$11,267.33
Total buyer cash needed$11,267.33
Remaining funds due$11,267.33
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%)$2,095.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,438.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.25
Initial HOA (3 months)$291.00
Prepaid interest, first (26 days)$1,450.77
Fees + prepaids$11,267.33
Your down payment is the seller’s equity. You take over the $287,663 balance, so the rest of the $209,500 price is paid at closing. A second mortgage can cover part of it. $11,267.33 is due at closing. Not a Closing Disclosure.