Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,911Not just lender fees.
Before credits & paid funds$9,911The complete starting cash picture.
Estimated remaining funds due at closing
$9,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$76,181.23
Your down payment$0.00
Closing costs + prepaids$9,910.90
Total buyer cash needed$9,910.90
Remaining funds due$9,910.90
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,705.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.00
Prepaid interest, first (1 days)$65.99
Fees + prepaids$9,910.90
Your down payment is the seller’s equity. You take over the $341,181 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $9,910.90 is due at closing. Not a Closing Disclosure.