Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,211Not just lender fees.
Before credits & paid funds$9,211The complete starting cash picture.
Estimated remaining funds due at closing
$9,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$88,323.40
Your down payment$0.00
Closing costs + prepaids$9,211.36
Total buyer cash needed$9,211.36
Remaining funds due$9,211.36
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%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,316.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$585.50
Initial HOA (3 months)$288.00
Prepaid interest, first (2 days)$53.24
Fees + prepaids$9,211.36
Your down payment is the seller’s equity. You take over the $263,323 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $9,211.36 is due at closing. Not a Closing Disclosure.