Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,397Not just lender fees.
Before credits & paid funds$13,397The complete starting cash picture.
Estimated remaining funds due at closing
$13,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$58,379.61
Your down payment$0.00
Closing costs + prepaids$13,397.50
Total buyer cash needed$13,397.50
Remaining funds due$13,397.50
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,916.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.25
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$2,229.85
Fees + prepaids$13,397.50
Your down payment is the seller’s equity. You take over the $383,280 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $13,397.50 is due at closing. Not a Closing Disclosure.