Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,600Not just lender fees.
Before credits & paid funds$11,600The complete starting cash picture.
Estimated remaining funds due at closing
$11,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$622.92
Your down payment$0.00
Closing costs + prepaids$11,599.55
Total buyer cash needed$11,599.55
Remaining funds due$11,599.55
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%)$2,691.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,348.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$672.75
Initial HOA (3 months)$99.99
Prepaid interest, first (31 days)$1,569.20
Fees + prepaids$11,599.55
Your down payment is the seller’s equity. You take over the $269,723 balance, so the rest of the $269,100 price is paid at closing. A second mortgage can cover part of it. $11,599.55 is due at closing. Not a Closing Disclosure.