Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,723Not just lender fees.
Before credits & paid funds$9,723The complete starting cash picture.
Estimated remaining funds due at closing
$9,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$220,074.13
Your down payment$0.00
Closing costs + prepaids$9,723.26
Total buyer cash needed$9,723.26
Remaining funds due$9,723.26
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%)$1,429.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,814.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$146.75
Initial HOA (3 months)$1,050.00
Prepaid interest, first (2 days)$64.64
Fees + prepaids$9,723.26
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $142,900 price is paid at closing. A second mortgage can cover part of it. $9,723.26 is due at closing. Not a Closing Disclosure.