Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,300Not just lender fees.
Before credits & paid funds$13,300The complete starting cash picture.
Estimated remaining funds due at closing
$13,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$30,200.19
Your down payment$0.00
Closing costs + prepaids$13,299.64
Total buyer cash needed$13,299.64
Remaining funds due$13,299.64
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,951.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$691.25
Initial HOA (3 months)$129.99
Prepaid interest, first (26 days)$1,709.40
Fees + prepaids$13,299.64
Your down payment is the seller’s equity. You take over the $390,200 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $13,299.64 is due at closing. Not a Closing Disclosure.