Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,784Not just lender fees.
Before credits & paid funds$12,784The complete starting cash picture.
Estimated remaining funds due at closing
$12,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$17,115.56
Your down payment$0.00
Closing costs + prepaids$12,783.51
Total buyer cash needed$12,783.51
Remaining funds due$12,783.51
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,635.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Initial HOA (3 months)$1,053.00
Prepaid interest, first (30 days)$1,338.93
Fees + prepaids$12,783.51
Your down payment is the seller’s equity. You take over the $327,116 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $12,783.51 is due at closing. Not a Closing Disclosure.