Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,111Not just lender fees.
Before credits & paid funds$10,111The complete starting cash picture.
Estimated remaining funds due at closing
$10,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$40,744.25
Your down payment$0.00
Closing costs + prepaids$10,111.10
Total buyer cash needed$10,111.10
Remaining funds due$10,111.10
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%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,678.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$140.75
Prepaid interest, first (2 days)$123.63
Fees + prepaids$10,111.10
Your down payment is the seller’s equity. You take over the $335,744 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $10,111.10 is due at closing. Not a Closing Disclosure.