Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,914Not just lender fees.
Before credits & paid funds$13,914The complete starting cash picture.
Estimated remaining funds due at closing
$13,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$34,403.30
Your down payment$0.00
Closing costs + prepaids$13,914.29
Total buyer cash needed$13,914.29
Remaining funds due$13,914.29
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,047.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$376.50
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$2,162.77
Fees + prepaids$13,914.29
Your down payment is the seller’s equity. You take over the $409,403 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $13,914.29 is due at closing. Not a Closing Disclosure.