Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,068Not just lender fees.
Before credits & paid funds$13,068The complete starting cash picture.
Estimated remaining funds due at closing
$13,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$118,516.65
Your down payment$0.00
Closing costs + prepaids$13,068.29
Total buyer cash needed$13,068.29
Remaining funds due$13,068.29
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%)$2,425.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,805.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.00
Initial HOA (3 months)$1,359.00
Prepaid interest, first (30 days)$1,884.21
Fees + prepaids$13,068.29
Your down payment is the seller’s equity. You take over the $361,017 balance, so the rest of the $242,500 price is paid at closing. A second mortgage can cover part of it. $13,068.29 is due at closing. Not a Closing Disclosure.