Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,707Not just lender fees.
Before credits & paid funds$10,707The complete starting cash picture.
Estimated remaining funds due at closing
$10,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$18,291.75
Your down payment$0.00
Closing costs + prepaids$10,707.08
Total buyer cash needed$10,707.08
Remaining funds due$10,707.08
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%)$2,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,331.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$435.00
Initial HOA (3 months)$630.00
Prepaid interest, first (27 days)$612.62
Fees + prepaids$10,707.08
Your down payment is the seller’s equity. You take over the $266,292 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $10,707.08 is due at closing. Not a Closing Disclosure.