Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,838Not just lender fees.
Before credits & paid funds$13,838The complete starting cash picture.
Estimated remaining funds due at closing
$13,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$101,008.78
Your down payment$0.00
Closing costs + prepaids$13,838.41
Total buyer cash needed$13,838.41
Remaining funds due$13,838.41
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,355.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Initial HOA (3 months)$740.25
Prepaid interest, first (31 days)$1,300.11
Fees + prepaids$13,838.41
Your down payment is the seller’s equity. You take over the $471,009 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $13,838.41 is due at closing. Not a Closing Disclosure.