Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,648Not just lender fees.
Before credits & paid funds$9,648The complete starting cash picture.
Estimated remaining funds due at closing
$9,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$60,139.85
Your down payment$0.00
Closing costs + prepaids$9,647.86
Total buyer cash needed$9,647.86
Remaining funds due$9,647.86
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%)$2,085.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,343.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.50
Initial HOA (3 months)$729.00
Prepaid interest, first (2 days)$44.16
Fees + prepaids$9,647.86
Your down payment is the seller’s equity. You take over the $268,640 balance, so the rest of the $208,500 price is paid at closing. A second mortgage can cover part of it. $9,647.86 is due at closing. Not a Closing Disclosure.