Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,709Not just lender fees.
Before credits & paid funds$7,709The complete starting cash picture.
Estimated remaining funds due at closing
$7,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$26,716.13
Your down payment$0.00
Closing costs + prepaids$7,708.78
Total buyer cash needed$7,708.78
Remaining funds due$7,708.78
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%)$1,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$733.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$299.50
Initial HOA (3 months)$232.50
Prepaid interest, first (1 days)$25.20
Fees + prepaids$7,708.78
Your down payment is the seller’s equity. You take over the $146,716 balance, so the rest of the $120,000 price is paid at closing. A second mortgage can cover part of it. $7,708.78 is due at closing. Not a Closing Disclosure.