Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$12,496Not just lender fees.
Before credits & paid funds$12,496The complete starting cash picture.
Estimated remaining funds due at closing
$12,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$570.68
Your down payment$0.00
Closing costs + prepaids$12,496.09
Total buyer cash needed$12,496.09
Remaining funds due$12,496.09
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%)$1,627.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$812.25
Initial HOA (3 months)$99.99
Prepaid interest, first (24 days)$1,489.50
Fees + prepaids$12,496.09
Your down payment is the seller’s equity. You take over the $325,471 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $12,496.09 is due at closing. Not a Closing Disclosure.