Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,683Not just lender fees.
Before credits & paid funds$9,683The complete starting cash picture.
Estimated remaining funds due at closing
$9,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$61,797.37
Your down payment$0.00
Closing costs + prepaids$9,682.74
Total buyer cash needed$9,682.74
Remaining funds due$9,682.74
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,433.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$156.25
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$41.00
Fees + prepaids$9,682.74
Your down payment is the seller’s equity. You take over the $286,697 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $9,682.74 is due at closing. Not a Closing Disclosure.