Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,153Not just lender fees.
Before credits & paid funds$10,153The complete starting cash picture.
Estimated remaining funds due at closing
$10,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$85,838.32
Your down payment$0.00
Closing costs + prepaids$10,152.91
Total buyer cash needed$10,152.91
Remaining funds due$10,152.91
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%)$1,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,229.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,039.25
Prepaid interest, first (26 days)$1,066.47
Fees + prepaids$10,152.91
Your down payment is the seller’s equity. You take over the $245,838 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $10,152.91 is due at closing. Not a Closing Disclosure.