Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,400Not just lender fees.
Before credits & paid funds$8,400The complete starting cash picture.
Estimated remaining funds due at closing
$8,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$39,516.55
Your down payment$0.00
Closing costs + prepaids$8,400.18
Total buyer cash needed$8,400.18
Remaining funds due$8,400.18
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%)$1,198.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$796.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$143.75
Initial HOA (3 months)$816.00
Prepaid interest, first (10 days)$227.84
Fees + prepaids$8,400.18
Your down payment is the seller’s equity. You take over the $159,317 balance, so the rest of the $119,800 price is paid at closing. A second mortgage can cover part of it. $8,400.18 is due at closing. Not a Closing Disclosure.