Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,640Not just lender fees.
Before credits & paid funds$12,640The complete starting cash picture.
Estimated remaining funds due at closing
$12,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$198,545.38
Your down payment$0.00
Closing costs + prepaids$12,640.15
Total buyer cash needed$12,640.15
Remaining funds due$12,640.15
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%)$1,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,992.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,975.50
Initial HOA (3 months)$1,386.00
Prepaid interest, first (2 days)$69.43
Fees + prepaids$12,640.15
Your down payment is the seller’s equity. You take over the $398,445 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $12,640.15 is due at closing. Not a Closing Disclosure.