Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,912Not just lender fees.
Before credits & paid funds$13,912The complete starting cash picture.
Estimated remaining funds due at closing
$13,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$4,835.29
Your down payment$0.00
Closing costs + prepaids$13,912.17
Total buyer cash needed$13,912.17
Remaining funds due$13,912.17
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,099.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$586.75
Initial HOA (3 months)$234.00
Prepaid interest, first (27 days)$1,624.24
Fees + prepaids$13,912.17
Your down payment is the seller’s equity. You take over the $419,835 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $13,912.17 is due at closing. Not a Closing Disclosure.