Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,452Not just lender fees.
Before credits & paid funds$7,452The complete starting cash picture.
Estimated remaining funds due at closing
$7,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$13,181.31
Your down payment$0.00
Closing costs + prepaids$7,452.41
Total buyer cash needed$7,452.41
Remaining funds due$7,452.41
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%)$950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$540.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$36.25
Initial HOA (3 months)$480.99
Prepaid interest, first (22 days)$226.26
Fees + prepaids$7,452.41
Your down payment is the seller’s equity. You take over the $108,181 balance, so the rest of the $95,000 price is paid at closing. A second mortgage can cover part of it. $7,452.41 is due at closing. Not a Closing Disclosure.