Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,204Not just lender fees.
Before credits & paid funds$13,204The complete starting cash picture.
Estimated remaining funds due at closing
$13,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$3,051.76
Your down payment$0.00
Closing costs + prepaids$13,203.75
Total buyer cash needed$13,203.75
Remaining funds due$13,203.75
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%)$3,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,965.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.00
Initial HOA (3 months)$27.00
Prepaid interest, first (25 days)$1,709.50
Fees + prepaids$13,203.75
Your down payment is the seller’s equity. You take over the $393,051 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $13,203.75 is due at closing. Not a Closing Disclosure.