Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$13,450Not just lender fees.
Before credits & paid funds$13,450The complete starting cash picture.
Estimated remaining funds due at closing
$13,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$63,199.74
Your down payment$0.00
Closing costs + prepaids$13,449.79
Total buyer cash needed$13,449.79
Remaining funds due$13,449.79
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,511.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$218.25
Prepaid interest, first (26 days)$1,112.54
Fees + prepaids$13,449.79
Your down payment is the seller’s equity. You take over the $502,200 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $13,449.79 is due at closing. Not a Closing Disclosure.