Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$16,037Not just lender fees.
Before credits & paid funds$16,037The complete starting cash picture.
Estimated remaining funds due at closing
$16,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$93,326.84
Your down payment$0.00
Closing costs + prepaids$16,036.67
Total buyer cash needed$16,036.67
Remaining funds due$16,036.67
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,216.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,642.25
Initial HOA (3 months)$1,146.00
Prepaid interest, first (30 days)$2,313.80
Fees + prepaids$16,036.67
Your down payment is the seller’s equity. You take over the $443,326 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $16,036.67 is due at closing. Not a Closing Disclosure.