Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,749Not just lender fees.
Before credits & paid funds$13,749The complete starting cash picture.
Estimated remaining funds due at closing
$13,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$61,848.09
Your down payment$0.00
Closing costs + prepaids$13,749.38
Total buyer cash needed$13,749.38
Remaining funds due$13,749.38
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,684.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$960.50
Initial HOA (3 months)$1,182.00
Prepaid interest, first (30 days)$1,954.64
Fees + prepaids$13,749.38
Your down payment is the seller’s equity. You take over the $336,848 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $13,749.38 is due at closing. Not a Closing Disclosure.