Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,984Not just lender fees.
Before credits & paid funds$13,984The complete starting cash picture.
Estimated remaining funds due at closing
$13,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$31,531.63
Your down payment$0.00
Closing costs + prepaids$13,983.76
Total buyer cash needed$13,983.76
Remaining funds due$13,983.76
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,282.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$386.00
Initial HOA (3 months)$51.99
Prepaid interest, first (23 days)$1,795.11
Fees + prepaids$13,983.76
Your down payment is the seller’s equity. You take over the $456,532 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $13,983.76 is due at closing. Not a Closing Disclosure.