Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,721Not just lender fees.
Before credits & paid funds$13,721The complete starting cash picture.
Estimated remaining funds due at closing
$13,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$6,848.12
Your down payment$0.00
Closing costs + prepaids$13,721.32
Total buyer cash needed$13,721.32
Remaining funds due$13,721.32
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,959.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.25
Prepaid interest, first (28 days)$1,929.83
Fees + prepaids$13,721.32
Your down payment is the seller’s equity. You take over the $391,848 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $13,721.32 is due at closing. Not a Closing Disclosure.