Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,748Not just lender fees.
Before credits & paid funds$10,748The complete starting cash picture.
Estimated remaining funds due at closing
$10,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$52,477.51
Your down payment$0.00
Closing costs + prepaids$10,748.25
Total buyer cash needed$10,748.25
Remaining funds due$10,748.25
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%)$3,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,887.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$321.50
Prepaid interest, first (1 days)$71.36
Fees + prepaids$10,748.25
Your down payment is the seller’s equity. You take over the $377,478 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $10,748.25 is due at closing. Not a Closing Disclosure.