Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,331Not just lender fees.
Before credits & paid funds$13,331The complete starting cash picture.
Estimated remaining funds due at closing
$13,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$48,621.10
Your down payment$0.00
Closing costs + prepaids$13,330.83
Total buyer cash needed$13,330.83
Remaining funds due$13,330.83
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,743.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.00
Initial HOA (3 months)$990.00
Prepaid interest, first (30 days)$1,942.73
Fees + prepaids$13,330.83
Your down payment is the seller’s equity. You take over the $348,621 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $13,330.83 is due at closing. Not a Closing Disclosure.