Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,325Not just lender fees.
Before credits & paid funds$10,325The complete starting cash picture.
Estimated remaining funds due at closing
$10,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$35,988.12
Your down payment$0.00
Closing costs + prepaids$10,324.68
Total buyer cash needed$10,324.68
Remaining funds due$10,324.68
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%)$2,549.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,454.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$253.00
Initial HOA (3 months)$795.00
Prepaid interest, first (1 days)$53.89
Fees + prepaids$10,324.68
Your down payment is the seller’s equity. You take over the $290,978 balance, so the rest of the $254,990 price is paid at closing. A second mortgage can cover part of it. $10,324.68 is due at closing. Not a Closing Disclosure.