Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,476Not just lender fees.
Before credits & paid funds$7,476The complete starting cash picture.
Estimated remaining funds due at closing
$7,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$8,525.73
Your down payment$0.00
Closing costs + prepaids$7,475.89
Total buyer cash needed$7,475.89
Remaining funds due$7,475.89
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%)$1,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$542.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$89.00
Initial HOA (3 months)$390.00
Prepaid interest, first (29 days)$236.26
Fees + prepaids$7,475.89
Your down payment is the seller’s equity. You take over the $108,526 balance, so the rest of the $100,000 price is paid at closing. A second mortgage can cover part of it. $7,475.89 is due at closing. Not a Closing Disclosure.