Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,760Not just lender fees.
Before credits & paid funds$9,760The complete starting cash picture.
Estimated remaining funds due at closing
$9,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$376,103.65
Your down payment$0.00
Closing costs + prepaids$9,759.97
Total buyer cash needed$9,759.97
Remaining funds due$9,759.97
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%)$265.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$184.75
Prepaid interest, first (29 days)$2,079.20
Fees + prepaids$9,759.97
Your down payment is the seller’s equity. You take over the $402,604 balance, so the rest of the $26,500 price is paid at closing. A second mortgage can cover part of it. $9,759.97 is due at closing. Not a Closing Disclosure.