Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,026Not just lender fees.
Before credits & paid funds$12,026The complete starting cash picture.
Estimated remaining funds due at closing
$12,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$18,151.36
Your down payment$0.00
Closing costs + prepaids$12,025.90
Total buyer cash needed$12,025.90
Remaining funds due$12,025.90
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%)$2,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,210.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,260.50
Prepaid interest, first (30 days)$1,096.65
Fees + prepaids$12,025.90
Your down payment is the seller’s equity. You take over the $242,151 balance, so the rest of the $224,000 price is paid at closing. A second mortgage can cover part of it. $12,025.90 is due at closing. Not a Closing Disclosure.