Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,905Not just lender fees.
Before credits & paid funds$13,905The complete starting cash picture.
Estimated remaining funds due at closing
$13,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$6,415.72
Your down payment$0.00
Closing costs + prepaids$13,905.27
Total buyer cash needed$13,905.27
Remaining funds due$13,905.27
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%)$1,657.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,485.75
Initial HOA (3 months)$483.00
Prepaid interest, first (30 days)$1,811.44
Fees + prepaids$13,905.27
Your down payment is the seller’s equity. You take over the $331,416 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $13,905.27 is due at closing. Not a Closing Disclosure.