Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,847Not just lender fees.
Before credits & paid funds$9,847The complete starting cash picture.
Estimated remaining funds due at closing
$9,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$69,762.18
Your down payment$0.00
Closing costs + prepaids$9,847.21
Total buyer cash needed$9,847.21
Remaining funds due$9,847.21
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%)$2,508.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,602.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.50
Prepaid interest, first (2 days)$121.90
Fees + prepaids$9,847.21
Your down payment is the seller’s equity. You take over the $320,562 balance, so the rest of the $250,800 price is paid at closing. A second mortgage can cover part of it. $9,847.21 is due at closing. Not a Closing Disclosure.