Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$7,557Not just lender fees.
Before credits & paid funds$7,557The complete starting cash picture.
Estimated remaining funds due at closing
$7,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$947.15
Your down payment$0.00
Closing costs + prepaids$7,556.75
Total buyer cash needed$7,556.75
Remaining funds due$7,556.75
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%)$999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$504.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$187.25
Initial HOA (3 months)$450.00
Prepaid interest, first (13 days)$198.27
Fees + prepaids$7,556.75
Your down payment is the seller’s equity. You take over the $100,847 balance, so the rest of the $99,900 price is paid at closing. A second mortgage can cover part of it. $7,556.75 is due at closing. Not a Closing Disclosure.