Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,408Not just lender fees.
Before credits & paid funds$13,408The complete starting cash picture.
Estimated remaining funds due at closing
$13,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$56,125.24
Your down payment$0.00
Closing costs + prepaids$13,407.59
Total buyer cash needed$13,407.59
Remaining funds due$13,407.59
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,725.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,727.75
Initial HOA (3 months)$30.00
Prepaid interest, first (28 days)$1,816.21
Fees + prepaids$13,407.59
Your down payment is the seller’s equity. You take over the $345,125 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $13,407.59 is due at closing. Not a Closing Disclosure.