Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,628Not just lender fees.
Before credits & paid funds$13,628The complete starting cash picture.
Estimated remaining funds due at closing
$13,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$44,992.15
Your down payment$0.00
Closing costs + prepaids$13,627.94
Total buyer cash needed$13,627.94
Remaining funds due$13,627.94
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,249.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Initial HOA (3 months)$90.00
Prepaid interest, first (23 days)$1,565.23
Fees + prepaids$13,627.94
Your down payment is the seller’s equity. You take over the $449,992 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $13,627.94 is due at closing. Not a Closing Disclosure.