Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,890Not just lender fees.
Before credits & paid funds$13,890The complete starting cash picture.
Estimated remaining funds due at closing
$13,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$49,061.42
Your down payment$0.00
Closing costs + prepaids$13,890.06
Total buyer cash needed$13,890.06
Remaining funds due$13,890.06
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%)$3,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,142.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$691.25
Prepaid interest, first (25 days)$2,043.01
Fees + prepaids$13,890.06
Your down payment is the seller’s equity. You take over the $428,561 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $13,890.06 is due at closing. Not a Closing Disclosure.