Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$10,988The complete starting cash picture.
Estimated remaining funds due at closing
$10,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$17,011.29
Your down payment$0.00
Closing costs + prepaids$10,987.82
Total buyer cash needed$10,987.82
Remaining funds due$10,987.82
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,360.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.00
Initial HOA (3 months)$1,164.00
Prepaid interest, first (10 days)$389.76
Fees + prepaids$10,987.82
Your down payment is the seller’s equity. You take over the $272,011 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $10,987.82 is due at closing. Not a Closing Disclosure.