Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,171Not just lender fees.
Before credits & paid funds$11,171The complete starting cash picture.
Estimated remaining funds due at closing
$11,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$70,744.05
Your down payment$0.00
Closing costs + prepaids$11,171.12
Total buyer cash needed$11,171.12
Remaining funds due$11,171.12
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%)$3,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,978.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$145.00
Initial HOA (3 months)$429.99
Prepaid interest, first (2 days)$149.41
Fees + prepaids$11,171.12
Your down payment is the seller’s equity. You take over the $395,744 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $11,171.12 is due at closing. Not a Closing Disclosure.