Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,724Not just lender fees.
Before credits & paid funds$13,724The complete starting cash picture.
Estimated remaining funds due at closing
$13,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$72,226.16
Your down payment$0.00
Closing costs + prepaids$13,723.97
Total buyer cash needed$13,723.97
Remaining funds due$13,723.97
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%)$3,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,061.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,283.00
Prepaid interest, first (24 days)$1,761.84
Fees + prepaids$13,723.97
Your down payment is the seller’s equity. You take over the $412,226 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $13,723.97 is due at closing. Not a Closing Disclosure.