Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,695Not just lender fees.
Before credits & paid funds$7,695The complete starting cash picture.
Estimated remaining funds due at closing
$7,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$18,380.02
Your down payment$0.00
Closing costs + prepaids$7,695.32
Total buyer cash needed$7,695.32
Remaining funds due$7,695.32
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%)$1,049.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$616.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$793.50
Prepaid interest, first (1 days)$17.67
Fees + prepaids$7,695.32
Your down payment is the seller’s equity. You take over the $123,330 balance, so the rest of the $104,950 price is paid at closing. A second mortgage can cover part of it. $7,695.32 is due at closing. Not a Closing Disclosure.