Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,155Not just lender fees.
Before credits & paid funds$12,155The complete starting cash picture.
Estimated remaining funds due at closing
$12,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$827.71
Your down payment$0.00
Closing costs + prepaids$12,154.68
Total buyer cash needed$12,154.68
Remaining funds due$12,154.68
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%)$2,955.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,481.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.00
Initial HOA (3 months)$975.00
Prepaid interest, first (24 days)$1,019.04
Fees + prepaids$12,154.68
Your down payment is the seller’s equity. You take over the $296,328 balance, so the rest of the $295,500 price is paid at closing. A second mortgage can cover part of it. $12,154.68 is due at closing. Not a Closing Disclosure.