Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,346Not just lender fees.
Before credits & paid funds$14,346The complete starting cash picture.
Estimated remaining funds due at closing
$14,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$9,333.71
Your down payment$0.00
Closing costs + prepaids$14,345.57
Total buyer cash needed$14,345.57
Remaining funds due$14,345.57
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,096.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.25
Initial HOA (3 months)$131.25
Prepaid interest, first (28 days)$2,305.90
Fees + prepaids$14,345.57
Your down payment is the seller’s equity. You take over the $419,234 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $14,345.57 is due at closing. Not a Closing Disclosure.