Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,134Not just lender fees.
Before credits & paid funds$12,134The complete starting cash picture.
Estimated remaining funds due at closing
$12,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$45,650.57
Your down payment$0.00
Closing costs + prepaids$12,134.16
Total buyer cash needed$12,134.16
Remaining funds due$12,134.16
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,253.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$68.15
Fees + prepaids$12,134.16
Your down payment is the seller’s equity. You take over the $450,651 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $12,134.16 is due at closing. Not a Closing Disclosure.