Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,348Not just lender fees.
Before credits & paid funds$9,348The complete starting cash picture.
Estimated remaining funds due at closing
$9,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,316.00
Your down payment$0.00
Closing costs + prepaids$9,347.72
Total buyer cash needed$9,347.72
Remaining funds due$9,347.72
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%)$1,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$921.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (31 days)$1,020.65
Fees + prepaids$9,347.72
Your down payment is the seller’s equity. You take over the $184,315 balance, so the rest of the $174,999 price is paid at closing. A second mortgage can cover part of it. $9,347.72 is due at closing. Not a Closing Disclosure.