Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,067Not just lender fees.
Before credits & paid funds$14,067The complete starting cash picture.
Estimated remaining funds due at closing
$14,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$34,971.25
Your down payment$0.00
Closing costs + prepaids$14,066.65
Total buyer cash needed$14,066.65
Remaining funds due$14,066.65
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,724.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,006.75
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$1,837.04
Fees + prepaids$14,066.65
Your down payment is the seller’s equity. You take over the $344,971 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $14,066.65 is due at closing. Not a Closing Disclosure.