Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,826Not just lender fees.
Before credits & paid funds$12,826The complete starting cash picture.
Estimated remaining funds due at closing
$12,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$1,119.79
Your down payment$0.00
Closing costs + prepaids$12,825.73
Total buyer cash needed$12,825.73
Remaining funds due$12,825.73
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%)$3,399.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,705.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$374.00
Initial HOA (3 months)$219.00
Prepaid interest, first (30 days)$1,909.28
Fees + prepaids$12,825.73
Your down payment is the seller’s equity. You take over the $341,110 balance, so the rest of the $339,990 price is paid at closing. A second mortgage can cover part of it. $12,825.73 is due at closing. Not a Closing Disclosure.