Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,544Not just lender fees.
Before credits & paid funds$10,544The complete starting cash picture.
Estimated remaining funds due at closing
$10,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$29,215.59
Your down payment$0.00
Closing costs + prepaids$10,544.36
Total buyer cash needed$10,544.36
Remaining funds due$10,544.36
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%)$2,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,346.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.75
Prepaid interest, first (26 days)$1,292.53
Fees + prepaids$10,544.36
Your down payment is the seller’s equity. You take over the $269,216 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $10,544.36 is due at closing. Not a Closing Disclosure.