Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,420Not just lender fees.
Before credits & paid funds$12,420The complete starting cash picture.
Estimated remaining funds due at closing
$12,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$73,372.60
Your down payment$0.00
Closing costs + prepaids$12,419.93
Total buyer cash needed$12,419.93
Remaining funds due$12,419.93
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,616.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$270.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (30 days)$1,764.82
Fees + prepaids$12,419.93
Your down payment is the seller’s equity. You take over the $323,373 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $12,419.93 is due at closing. Not a Closing Disclosure.