Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,219Not just lender fees.
Before credits & paid funds$12,219The complete starting cash picture.
Estimated remaining funds due at closing
$12,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$15,570.27
Your down payment$0.00
Closing costs + prepaids$12,218.63
Total buyer cash needed$12,218.63
Remaining funds due$12,218.63
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%)$3,545.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,850.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.75
Initial HOA (3 months)$1,122.00
Prepaid interest, first (2 days)$140.53
Fees + prepaids$12,218.63
Your down payment is the seller’s equity. You take over the $370,070 balance, so the rest of the $354,500 price is paid at closing. A second mortgage can cover part of it. $12,218.63 is due at closing. Not a Closing Disclosure.