Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,017Not just lender fees.
Before credits & paid funds$13,017The complete starting cash picture.
Estimated remaining funds due at closing
$13,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$54,053.04
Your down payment$0.00
Closing costs + prepaids$13,017.48
Total buyer cash needed$13,017.48
Remaining funds due$13,017.48
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%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,765.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,004.25
Prepaid interest, first (30 days)$2,039.97
Fees + prepaids$13,017.48
Your down payment is the seller’s equity. You take over the $353,053 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $13,017.48 is due at closing. Not a Closing Disclosure.