Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,286Not just lender fees.
Before credits & paid funds$13,286The complete starting cash picture.
Estimated remaining funds due at closing
$13,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$85,458.96
Your down payment$0.00
Closing costs + prepaids$13,286.20
Total buyer cash needed$13,286.20
Remaining funds due$13,286.20
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%)$3,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,127.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$195.75
Prepaid interest, first (31 days)$2,345.15
Fees + prepaids$13,286.20
Your down payment is the seller’s equity. You take over the $425,459 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $13,286.20 is due at closing. Not a Closing Disclosure.