Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$8,719Not just lender fees.
Before credits & paid funds$8,719The complete starting cash picture.
Estimated remaining funds due at closing
$8,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$83,095.09
Your down payment$0.00
Closing costs + prepaids$8,719.00
Total buyer cash needed$8,719.00
Remaining funds due$8,719.00
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%)$1,435.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,133.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.00
Prepaid interest, first (31 days)$608.28
Fees + prepaids$8,719.00
Your down payment is the seller’s equity. You take over the $226,645 balance, so the rest of the $143,550 price is paid at closing. A second mortgage can cover part of it. $8,719.00 is due at closing. Not a Closing Disclosure.